A standard commercial automobile insurance policy carries a pollution exclusion that leaves both the transporter and contents owner exposed to unnecessary risk, including costly cleanup expenses. To enhance their auto coverage, transporters often rely on the CA 99 48 endorsement to their auto policy for pollution liability coverage. This endorsement modifies the insurance provided under the Business Auto Coverage, Motor Carrier Coverage, and Truckers Coverage forms to cover cleanup costs; however, coverage for these costs can only be triggered by an accident, upset or overturn of a covered auto. There are other gaps in coverage that exposes the transporter and its customers to additional liability not covered with a CA 99 48 endorsement.
A Certified Environmentally Responsible Contractor (CERC) has secured an insurance policy that includes many coverages that are limited or excluded from an auto policy with only a CA 99 48 endorsement. The table below highlights common differences between a CA 99 48 endorsement and a qualifying CERC policy.