Portable Sanitation Association International

Oct 30 PDF

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W EEKLY EDITION OCTOBER 30, 2019 The Pros a nd Cons of Poll ut ion I nsura nce Co ve ra ge By Karleen Kos, PSAI Executive Director Standard Vehicle Insurance, General Liability Insurance, and Pollution Insurance Whether you have pollution coverage or not, business owners should make sure their company is adequately insured with a standard insurance policy for vehicles and drivers. Yo u want to be confident these policies provide enough coverage against liability claims related to accidents and cargo. You also want to have a general liability policy that covers any losses in excess of your vehicle insurance limits or that covers losses that would not be handled under the vehicle policy. That is where pollution policies can come into play. A claim arising from your company causing pollution is typically excluded from vehicle and general liability policies. Pollution policies generally c over claims from third parties against bodily injury and property damage caused by hazardous waste materials released during a company's business operations. Usually this insurance not only covers you and your employees while they are completing a job, it also typically covers your "completed operations." In other words, if there is a problem with hazardous waste materials after you have finished the job, you are protected from any liability issues if you carry this insurance. This is why certain types of customers require portable sanitation providers to provide proof of pollution coverage. They want to minimize risk to themselves in case there is a portable restroom spill or truck tip over on their site and someone claims losses due to exposure to our wa ste or deodorizing/cleaning products. These customers often do not know — or do not care — that portable restroom waste is not hazardous. They are following their understanding of a law, ordinance, or edict from someone such as corporate headquarters or le gal counsel. CONTINUED ON PAGE 14 800-FOR-LELY lelytank.com The Right People. The Right Truck. The Right Price.

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