Do you insure contractors who have multiple jobsites and utilize mobile equipment? How is that equipment fueled? Does the insured haul each piece of equipment back to their own location to fuel or does the fuel go to the equipment? If the fuel is being brought to the equipment by the insured or by a third party acting on behalf of the insured, then the questions is: Does their Auto policy include broadened pollution coverage for property damage arising from a fuel spill when it is being transported as cargo? If the answer to that question is “No” then your insured has a pollution exposure and needs protection. When there are several hundreds of gallons of diesel fuel spilling out onto the highway and surrounding property, who do you think will be held responsible?
Transportation Pollution Liability (TPL) provides coverage for this gap in coverage. It is available both in conjunction with a Contractors Pollution Liability (CPL) policy and on a stand alone basis. This coverage applies to losses specifically caused by pollution conditions arising from transported cargo when the vehicle is being used in the performance of the insured’s operations.
If you would like to learn more about TPL coverage, feel free to contact us at 1-800-596-2156 or firstname.lastname@example.org.
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