Contractor truck insurance
In Utah, a contractor's truck or van policy must include liability, uninsured motorist, underinsured motorist and personal injury protection, Utah Code 31A-22-302 says, unless UM or UIM is waived or the vehicle is a trailer, which is exempt from PIP. Liability starts at $30,000/$65,000/$25,000 for policies issued or renewed on or after January 1, 2025; UM and UIM match it, or the insurer's highest if lower, unless you sign them down. Contracts set the working limit: Ogden's contractor requirements and Saratoga Springs' standing requirements ask for $1,000,000. ISO's standard auto form excludes damage to property you haul and operating a mounted boom, pump or spray rig.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
What does Utah require on a contractor truck policy?
Four coverages, unless waived or exempt. Utah Code 41-12a-301 says every resident owner of a motor vehicle "shall maintain owner's or operator's security" while it is operated on a highway, quasi-public road or parking area in the state. Section 31A-22-302 says every policy bought to meet that requirement "shall include" liability, uninsured motorist coverage "unless affirmatively waived," underinsured motorist coverage on the same terms, and, except for the vehicles its subsection (2) lists, personal injury protection. It says every policy, so a business auto policy on a work truck carries the same four parts as a family car, with the same waivers and PIP exemptions.
UM and UIM are where a contractor makes a choice. Section 305 sets UM limits "equal to the lesser of the limits of the named insured's motor vehicle liability coverage or the maximum uninsured motorist coverage limits available by the insurer," unless a named insured rejects it or buys less "by signing an acknowledgment form"; 305.3 sets the same rule for UIM. Buy $1,000,000 of liability for a contract and UM and UIM default to $1,000,000 too, or the insurer's highest available limit. A rejection must be "by an express writing to the insurer."
PIP is the first-party piece: medical expenses of "not less than $3,000 per person," the lesser of $250 a week or 85% of lost income for up to 52 weeks, $1,500 for funeral costs and a $3,000 death benefit. When the person hurt is your employee, 309(3) reduces PIP by workers' compensation benefits, and UM "does not cover any benefit under" the Workers' Compensation Act.
| Coverage | Utah Code | Minimum or default |
|---|---|---|
| Liability | 31A-22-303 and 304 | $30,000 / $65,000 / $25,000, or $90,000 single limit, on policies issued or renewed since January 1, 2025 |
| Uninsured motorist | 31A-22-305 | Your liability limit, or the insurer's highest, unless a named insured signs to reject or lower it |
| Underinsured motorist | 31A-22-305.3 | Same default and signed-form rule as UM |
| Personal injury protection | 31A-22-306 to 309 | $3,000 medical per person minimum; not required on trailers |
How much liability does a contractor truck need?
Utah's minimum is the floor; the working number comes from the holder's written requirement. Ogden City's contractor requirements, revised November 7, 2023, ask for "$1,000,000 combined single limit per occurrence for bodily injury and property damage for owned, non-owned and hired autos." Saratoga Springs' standing insurance requirements ask for "$1,000,000 combined single limit “per accident”" with "“Any Auto” coverage," and will not issue a permit, sign a contract or authorize work until the certificate and endorsements arrive. Kearns Improvement District's 2020 sewer-project request asked for $3,000,000.
Those phrases map to the symbols on your declarations page, which "designate the only "autos" that are covered "autos"." Symbol 1 is Any "Auto", Saratoga's phrase. Symbol 7 covers the autos described in Item Three of the declarations with a premium charge shown, plus, for liability, trailers you don't own while attached to one of them. Symbol 9 reaches autos owned by your employees while used in your business, such as a crew member's pickup on a supply run. Have the symbols checked against the contract before you sign; the holder decides what it accepts.
This page quotes ISO's standard forms, CA 00 01 and CG 00 01; a carrier may use its own form or change these by endorsement. Utah Code 31A-21-201 says a form "may not be used, sold, or offered for sale until the form is filed with the commissioner," and CA 99 48 opens "THIS ENDORSEMENT CHANGES THE POLICY."
What commercial auto does a home remodeling business need?
One whose covered autos include the work truck and any heavy trailer, with the loading line checked against the general liability form. CG 00 01 excludes injury or damage from the use of an auto an insured owns or operates and says "Use includes operation and "loading or unloading"," which runs while property "is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered." The business auto form covers damage "resulting from the ownership, maintenance or use of a covered "auto"," and its handling exclusion applies after property is moved from the auto "to the place where it is finally delivered by the "insured"." On the forms' words, a vanity dropped in a client's doorway on its way from the truck to that place sits on the auto side; once it reaches that place, the auto form's handling exclusion applies.
The auto form covers trailers with a registered Gross Vehicle Weight Rating "of 3,000 pounds or less designed primarily for travel on public roads" for liability automatically. On a symbol 7 policy, a heavier dump trailer you own is covered when it is described in Item Three, or when it is bought mid-term and meets the form's 30-day rule; one you don't own is covered for liability while attached to a listed power unit. The auto policy also excludes your work once it is completed.
What does plumber van insurance cover?
The van and what it hits, not what rides inside. Physical damage, where the declarations show it for that van, pays for "loss" to a covered "auto" or its equipment. Liability excludes property damage "involving property owned or transported by the "insured" or in the "insured's" care, custody or control." The water heater in the back, the customer's fixture and your pipe stock are property you transport, which that exclusion names.
Two more lines. Moving a load by "a mechanical device (other than a hand truck)" is excluded unless the device is attached to the van, so a hand truck or liftgate stays covered and a separate powered lift does not. The form also lists "pumps" among attached equipment whose operation it excludes; CG 00 01 carves that operation out of its own auto exclusion, so whether a van-mounted pump running at the job is covered turns on the general liability policy's other terms, pollution included.
What does electrician van insurance cover?
Driving the van, and anyone you let drive it, with exceptions. The auto form insures "Anyone else while using with your permission a covered "auto" you own, hire or borrow," except, among others, an employee in their own auto and someone working in a business that sells, services, repairs, parks or stores autos. Utah's 31A-22-303 has an owner's policy "insure any other person using any named motor vehicle with the express or implied permission of the named insured." An apprentice driving to a job is covered as a driver; the apprentice's own injuries are not, because the form excludes bodily injury to your employee arising out of employment.
Mounted equipment moves the line. A truck with a mounted cherry picker or generator "will be considered" an auto under the form, so driving it is covered. Operating it is not: the form excludes injury or damage "arising out of the operation of" that equipment. CG 00 01 carves out of its auto exclusion "The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment"," so for a bucket truck the general liability auto exclusion does not reach operating the boom; whether that policy pays turns on its other exclusions.
How does an electrical contractor insure its first vehicle?
Settle the name first. Utah's 31A-22-303 has the policy "name the motor vehicle owner or operator in whose name the policy was purchased" and "designate by appropriate reference all the motor vehicles on which coverage is granted," so decide whether the van is titled to you or the company before you buy it.
The UM and UIM choice on that first policy carries forward. A selection or rejection continues "until the insured requests, in writing, a change," and adding a vehicle to a commercial lines policy does not make it a new policy. Reject UM on the first van, and the third van added to the same insurer's policy inherits the rejection.
The second vehicle is where a symbol 7 policy bites: a vehicle bought mid-term is covered "only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage." Call the day you sign for the truck.
What does pest control vehicle insurance need to cover?
The chemicals in the truck, which the standard auto form leaves out. Its pollutants include "acids, alkalis, chemicals and waste," and it excludes injury or damage from their release while they are "Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"." A spill of concentrate after a crash falls in that exclusion. ISO's CA 99 48 endorsement changes it: "Paragraph a. of the Pollution Exclusion applies only to liability assumed under a contract or agreement," and the care, custody or control exclusion drops away for that coverage. Ask for CA 99 48 or the carrier's equivalent by name.
Spraying is a second line. "Spraying" equipment is on the auto form's list of permanently attached equipment, so the auto policy excludes operating a truck-mounted spray rig. CG 00 01 carves that operation out of its auto exclusion, which leaves it to the rest of that form, including its own pollution exclusion.
What to send for a contractor truck policy
- 1.Year, make, model, VIN and GVWR of every truck, van and trailer
- 2.The name on each title
- 3.Each driver's name, date of birth and license number
- 4.What is mounted on each vehicle: rack, liftgate, bucket, generator, pump or sprayer
- 5.Chemicals or fuel you carry
- 6.Where each vehicle is garaged and how far it goes
- 7.Every contract or permit page naming auto limits or symbols
- 8.Your current declarations page and any signed UM or UIM form
- 9.Claims on the vehicles, with dates
Can my work truck stay on my personal auto policy?
Possibly, if it can be endorsed for that use. The Utah Insurance Department says that if you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use. It recommends discussing any business use with your insurance agent.
Do I need PIP on my trailer?
No. 31A-22-302(2) says a policy for a trailer or semitrailer is not required to have personal injury protection. That exemption is for PIP only; liability is still on the 302(1) list.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. Utah Code 41-12a-301(2)(a), owner's or operator's security required
“every resident owner of a motor vehicle shall maintain owner's or operator's security in effect at any time that the motor vehicle is operated on a highway or on a quasi-public road or parking area within the state”
le.utah.gov, accessed October 3, 2026. Version effective May 6, 2026 (amended 2026 General Session). - 2. Utah Code 31A-22-302(1)(a) and (b), required components of motor vehicle insurance policies
“Every policy of insurance or combination of policies purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301 shall include: (a) motor vehicle liability coverage under Sections 31A-22-303 and 31A-22-304; (b) uninsured motorist coverage under Section 31A-22-305, unless affirmatively waived under Subsection 31A-22-305(5);”
le.utah.gov, accessed October 3, 2026. Version effective May 6, 2026 (amended by Chapter 382, 2026 General Session), the current version on le.utah.gov. - 3. Utah Code 31A-22-302(1)(c) and (d), required components, continued
“(c) underinsured motorist coverage under Section 31A-22-305.3, unless affirmatively waived under Subsection 31A-22-305.3(3); and (d) except as provided in Subsection (2) and subject to Subsection (4), personal injury protection under Sections 31A-22-306 through 31A-22-309.”
le.utah.gov, accessed October 3, 2026 - 4. Utah Code 31A-22-302(2), vehicles not required to carry PIP
“for a motorcycle, off-highway vehicle, street-legal all-terrain vehicle, trailer, or semitrailer is not required to have personal injury protection under Sections 31A-22-306 through 31A-22-309”
le.utah.gov, accessed October 3, 2026 - 5. Utah Code 31A-22-304(2), minimum liability limits for policies issued or renewed on or after January 1, 2025
“a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following:”
le.utah.gov, accessed October 3, 2026. The limits that follow are $30,000 for one person, $65,000 for two or more and $25,000 for property, or $90,000 in any one accident. Policies issued or renewed on or before December 31, 2024 were held to 25/65/15 or $80,000. - 6. Utah Code 31A-22-303(1)(a)(ii)(A), owner's policy insures permissive users
“insure any other person using any named motor vehicle with the express or implied permission of the named insured”
le.utah.gov, accessed October 3, 2026 - 7. Utah Code 31A-22-303(1)(a)(i) and (ii)(A), what the liability policy must name and designate
“name the motor vehicle owner or operator in whose name the policy was purchased, state that named insured's address, the coverage afforded, the premium charged, the policy period, and the limits of liability”
le.utah.gov, accessed October 3, 2026 - 8. Utah Code 31A-22-303(1)(a)(ii)(A), an owner's policy designates the vehicles
“if it is an owner's policy, designate by appropriate reference all the motor vehicles on which coverage is granted”
le.utah.gov, accessed October 3, 2026 - 9. Utah Code 31A-22-305(4)(a), uninsured motorist limits default to the liability limits
“the limits of uninsured motorist coverage shall be equal to the lesser of the limits of the named insured's motor vehicle liability coverage or the maximum uninsured motorist coverage limits available by the insurer under the named insured's motor vehicle policy, unless a named insured rejects or purchases coverage in a lesser amount by signing an acknowledgment form”
le.utah.gov, accessed October 3, 2026. Applies to new policies written on or after January 1, 2001. The form must be filed with the department, provided by the insurer and disclose the added premium. - 10. Utah Code 31A-22-305(5)(a), rejecting uninsured motorist coverage
“the named insured may reject uninsured motorist coverage by an express writing to the insurer that provides liability coverage under Subsection 31A-22-302(1)(a).”
le.utah.gov, accessed October 3, 2026. Paragraph (5)(a)(ii): the rejection must be on a form provided by the insurer. Paragraph (5)(b) bars rejection by anyone in the business of, or accepting payment for, transporting natural persons by motor vehicle. - 11. Utah Code 31A-22-305(4)(b), a UM selection or rejection continues
“Any selection or rejection under this Subsection (4) continues for that issuer of the liability coverage until the insured requests, in writing, a change of uninsured motorist coverage from that liability insurer.”
le.utah.gov, accessed October 3, 2026. 31A-22-305.3(3)(c) carries the same rule for underinsured motorist coverage. - 12. Utah Code 31A-22-305(4)(e)(ii), adding a vehicle is not a new policy
“The adding of an additional motor vehicle to an existing personal lines or commercial lines policy does not constitute a new policy for purposes of Subsection (4)(d).”
le.utah.gov, accessed October 3, 2026 - 13. Utah Code 31A-22-305(5)(c)(i), uninsured motorist coverage and workers' compensation
“in order to avoid double recovery, does not cover any benefit under Title 34A, Chapter 2, Workers' Compensation Act”
le.utah.gov, accessed October 3, 2026. The subject of the clause is "Uninsured motorist coverage". Paragraph (5)(c)(ii) adds that it may not be subrogated by the workers' compensation insurance carrier. - 14. Utah Code 31A-22-305.3(3)(b), underinsured motorist limits default to the liability limits
“the limits of underinsured motorist coverage shall be equal to the lesser of the limits of the named insured's motor vehicle liability coverage or the maximum underinsured motorist coverage limits available by the insurer under the named insured's motor vehicle policy, unless a named insured rejects or purchases coverage in a lesser amount by signing an acknowledgment form”
le.utah.gov, accessed October 3, 2026 - 15. Utah Code 31A-22-307(1)(a), PIP medical expenses
“up to the minimum amount required coverage of not less than $3,000 per person, the reasonable value of all expenses for necessary:”
le.utah.gov, accessed October 3, 2026. The list that follows: medical, surgical, X-ray, dental, rehabilitation, ambulance, hospital and nursing services. - 16. Utah Code 31A-22-307(1)(b)(i), PIP lost income
“the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to work, for a maximum of 52 consecutive weeks after the loss”
le.utah.gov, accessed October 3, 2026 - 17. Utah Code 31A-22-307(1)(c) and (d), PIP funeral and death benefits
“funeral, burial, or cremation benefits not to exceed a total of $1,500 per person; and (d) compensation on account of death of a person, payable to the person's heirs, in the total of $3,000.”
le.utah.gov, accessed October 3, 2026 - 18. Utah Code 31A-22-309(3)(a), PIP reduced by workers' compensation benefits
“The benefits payable to an injured person under Section 31A-22-307 are reduced by: (a) any benefits that the injured person receives or is entitled to receive as a result of an accident covered in this code under any workers' compensation or similar statutory plan”
le.utah.gov, accessed October 3, 2026 - 19. Ogden City, Insurance Requirements (revised November 7, 2023), contractor auto liability
“Business Automobile Liability: $1,000,000 combined single limit per occurrence for bodily injury and property damage for owned, non-owned and hired autos.”
ogdencity.gov, accessed October 3, 2026. The holder's own requirement for contractors on Ogden City agreements. - 20. City of Saratoga Springs, Insurance Requirements (standing City standards), automobile liability
“AUTOMOBILE LIABILITY: $1,000,000 combined single limit “per accident” for bodily injury and property damage. “Any Auto” coverage is required.”
saratogasprings-ut.gov, accessed October 3, 2026. No printed date; the PDF's creation date is April 9, 2019. The document calls itself standards "established to help provide direction and consistency for departments within the City," not a single bid. The same document lets the City waive auto insurance for a party that certifies it will not use a vehicle in its business or within City limits. - 21. City of Saratoga Springs, Insurance Requirements, certificate before work
“Until the appropriate certificate of insurance verifying the required coverage is obtained and endorsements are provided, the City will not issue a license, permit, or approval, enter into a contract, or authorize work to be performed.”
saratogasprings-ut.gov, accessed October 3, 2026 - 22. Kearns Improvement District, Cougar Lane Outfall 2A Sewer Relief Project RFQ (February 2020), automobile liability
“Combined Single Limit (Bodily Injury and Property Damage) Each Accident $3,000,000”
utah.gov, accessed October 3, 2026. Cells of the RFQ's limits table under "Automobile Liability required by the General Conditions and the Supplementary General Conditions". The same RFQ says auto liability "shall cover owned, hired and non-owned vehicles." - 23. ISO CA 00 01 11 20, Section I, covered autos by coverage
“Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20 (© Insurance Services Office, Inc., 2019), the bare ISO form; a carrier's policy may use its own form or endorsements that change this wording. - 24. ISO Business Auto Coverage Form CA 00 01 11 20, Section I, covered autos
“The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20 (© Insurance Services Office, Inc., 2019), the bare ISO form; a carrier's policy may use its own form or endorsements that change this wording. - 25. ISO CA 00 01 11 20, Section I.A, symbol 1
“Symbol Description Of Covered Auto Designation Symbols 1 Any "Auto"”
assets.touchpointmarkets.com, accessed October 3, 2026. Header and first row of the symbol table. Symbol 1 carries no further description. - 26. ISO CA 00 01 11 20, Section I.A, symbol 7
“Only those "autos" described in Item Three of the Declarations for which a premium charge is shown (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to any power unit described in Item Three).”
assets.touchpointmarkets.com, accessed October 3, 2026 - 27. ISO CA 00 01 11 20, Section I.A, symbol 9
“Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 28. ISO CA 00 01 11 20, Section I.B.2, autos acquired under symbol 7
“an "auto" you acquire after the policy period begins will be a covered "auto" for that coverage only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage.”
assets.touchpointmarkets.com, accessed October 3, 2026. The paragraph opens: "But, if Symbol 7 is entered next to a coverage in Item Two of the Declarations". Under symbols 1 to 6 and 19, autos acquired mid-term of the type described are covered for the rest of the policy period. - 29. ISO CA 00 01 11 20, Section I.C.1, small trailers covered for liability
“"Trailers" with a registered Gross Vehicle Weight Rating of 3,000 pounds or less designed primarily for travel on public roads.”
assets.touchpointmarkets.com, accessed October 3, 2026. Listed under "the following types of vehicles are also covered "autos" for Covered Autos Liability Coverage". - 30. ISO CA 00 01 11 20, Section II.A, covered autos liability insuring agreement
“We will pay all sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto".”
assets.touchpointmarkets.com, accessed October 3, 2026 - 31. ISO CA 00 01 11 20, Section II.A.1.b, who is an insured
“Anyone else while using with your permission a covered "auto" you own, hire or borrow except:”
assets.touchpointmarkets.com, accessed October 3, 2026. The exceptions that follow cover owners you hire or borrow from, employees using their own autos, auto businesses, and similar cases. - 32. ISO CA 00 01 11 20, Section II.A.1.b(2) and (3), exceptions to permissive users
“(2) Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household. (3) Someone using a covered "auto" while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours.”
assets.touchpointmarkets.com, accessed October 3, 2026. Exception (1) is the owner or anyone else from whom you hire or borrow a covered auto; (4) and (5) cover people moving property to or from the auto and partners' or members' own autos. - 33. ISO CA 00 01 11 20, Section II.B.4, employee indemnification and employer's liability exclusion
“"Bodily injury" to: a. An "employee" of the "insured" arising out of and in the course of: (1) Employment by the "insured"; or (2) Performing the duties related to the conduct of the "insured's" business”
assets.touchpointmarkets.com, accessed October 3, 2026. Exclusion B.3 separately excludes any obligation under a workers' compensation law. - 34. ISO CA 00 01 11 20, Section II.B.6, care, custody or control exclusion
“"Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 35. ISO CA 00 01 11 20, Section II.B.7, handling of property exclusion
“"Bodily injury" or "property damage" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the "insured" for movement into or onto the covered "auto"; or b. After it is moved from the covered "auto" to the place where it is finally delivered by the "insured".”
assets.touchpointmarkets.com, accessed October 3, 2026 - 36. ISO CA 00 01 11 20, Section II.B.8, movement of property by mechanical device
“"Bodily injury" or "property damage" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered "auto".”
assets.touchpointmarkets.com, accessed October 3, 2026 - 37. ISO CA 00 01 11 20, Section II.B.9, operations exclusion
“"Bodily injury" or "property damage" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"”
assets.touchpointmarkets.com, accessed October 3, 2026 - 38. ISO CA 00 01 11 20, Section II.B.10, completed operations exclusion
“"Bodily injury" or "property damage" arising out of your work after that work has been completed or abandoned.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 39. ISO CA 00 01 11 20, Section V.K.6, vehicles with attached equipment that stay autos
“However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos":”
assets.touchpointmarkets.com, accessed October 3, 2026 - 40. ISO CA 00 01 11 20, Section V.K.6.b and 6.c, the attached equipment listed
“b. Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and c. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 41. ISO CA 00 01 11 20, Section III.A.1, physical damage coverage
“We will pay for "loss" to a covered "auto" or its equipment under:”
assets.touchpointmarkets.com, accessed October 3, 2026. The coverages that follow are comprehensive, specified causes of loss and collision, each only where the declarations show it. - 42. ISO CA 00 01 11 20, Section V.L, definition of pollutants
“"Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 43. ISO CA 00 01 11 20, Section II.B.11.a, pollution exclusion
“"Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto";”
assets.touchpointmarkets.com, accessed October 3, 2026. Paragraph a. does not apply to fuels, lubricants and fluids needed for the auto's own functioning that escape from a part designed to hold them. - 44. ISO CA 99 48 10 13, Pollution Liability – Broadened Coverage For Covered Autos
“1. Paragraph a. of the Pollution Exclusion applies only to liability assumed under a contract or agreement. 2. With respect to the coverage afforded by Paragraph A.1. above, Exclusion B.6. Care, Custody Or Control does not apply.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 99 48 10 13 (© Insurance Services Office, Inc., 2011), the bare ISO endorsement. - 45. ISO CA 99 48 10 13, endorsement heading
“THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.”
assets.touchpointmarkets.com, accessed October 3, 2026. The heading printed at the top of the ISO endorsement. - 46. ISO Commercial General Liability Coverage Form CG 00 01 12 25, exclusion g, aircraft, auto or watercraft
“"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CG 00 01 12 25 (© Insurance Services Office, Inc., 2023), the bare ISO form; a carrier's policy may use its own form or endorsements that change this wording. - 47. ISO CG 00 01 12 25, definition 13, loading or unloading
“"Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered”
assets.touchpointmarkets.com, accessed October 3, 2026. The definition goes on to exclude movement by a mechanical device, other than a hand truck, that is not attached to the auto. - 48. ISO CG 00 01 12 25, exclusion g, exception (5), mounted equipment
“(b) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment".”
assets.touchpointmarkets.com, accessed October 3, 2026. Paragraphs f.(2) and f.(3) of the CG 00 01 definition list truck-mounted cherry pickers and attached air compressors, pumps and generators, including spraying equipment, the same items as CA 00 01 paragraphs 6.b and 6.c. - 49. ISO CG 00 01 12 25, exclusion f, pollution
“"Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants":”
assets.touchpointmarkets.com, accessed October 3, 2026. The exclusion's subparagraphs and exceptions decide how it applies to a given operation. - 50. Utah Insurance Department, Business Use of Your Auto
“If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”
insurance.utah.gov, accessed October 3, 2026. Pulled with Node's fetch on 2026-10-03; insurance.utah.gov returns 403 to curl. - 51. Utah Insurance Department, Business Use of Your Auto, recommendation
“We recommend you discuss any business use of your vehicle with your insurance agent to ensure you are adequately covered.”
insurance.utah.gov, accessed October 3, 2026. Pulled with Node's fetch on 2026-10-03; insurance.utah.gov returns 403 to curl. - 52. Utah Code 31A-21-201(1)(a), filing of forms
“Except as exempted under Subsections 31A-21-101(2) through (6), a form may not be used, sold, or offered for sale until the form is filed with the commissioner.”
le.utah.gov, accessed October 3, 2026. Version effective May 4, 2022. Subsection (2): "In filing a form for use in this state the insurer is responsible for assuring that the form is in compliance with this title and rules adopted by the commissioner."
The personal auto policy will not cover the work use, or the claim came back denied
Contractors, lawn operators and gig drivers: when a personal policy stops applying and what a commercial policy changes.
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Pricing a truck for a contract?
Send Redoubt the contract's insurance page, your vehicle list and your drivers. We will go through which limits, symbols and endorsements it calls for, and what to ask a carrier before you bind.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.