Commercial Applicator Auto Liability Insurance

Many applicators will transport their own chemicals to the job sites. What is not commonly known is the auto policy is designed to cover the cost to clean-up a pollution event “provided the pollution is material pertinent to the operation of the vehicle”.  In other words, oil and gas/diesel. The coverage to cleanup a chemical spill is usually found in the general liability – some companies provide the coverage as part of the package,  some charge for the coverage and some carriers do not offer any type of transit (cleanup spill) coverage. The applicator should make sure there is coverage available (or at least the option to decline) to cover the cost to cleanup an accidental spill due to vehicle overturn or collision.

Jeanette Heinrichs

Vice President | Kingsburg