Hunter NelsonOwner of Nelson Insurance Agency

Milk Spill Millions in Damages & Pollution Coverage Explained #truckinginsurance #truckingindustry

19 Jun 2026 · 1 min

Watch on YouTube

0:45

In this brief segment, Hunter Nelson describes a real-world trucking insurance case where a milk spill entered a stream, resulting in multi‑million‑dollar claims. He explains that the insurer lacked a separate pollution policy; instead, the coverage was provided via a pollution endorsement attached to the auto liability policy, specifically the CA‑9948 endorsement. By combining pollution liability with auto liability under a single policy number, gaps between separate policies are avoided. Nelson highlights the practical benefit of this endorsement for trucking operators facing environmental liability risks.

Chapters

are hauling milk and that thing gets into a stream. The program's largest claim was for millions of dollars and it was milk getting into a water system, or I think it was actually just a stream. I shouldn't say water system, but it was getting into a stream and it was millions of dollars. And so they actually don't even have pollution coverage, like a separate, it's gonna be a pollution endorsement to your auto liability. So now you got pollution liability and auto liability. All in the same number, which is good because now you don't have two different policies with gaps between the language there. So I can actually kind of help you guys out, and I'm not going to get all insurance jargoned out here too much, but that endorsement is called— is the CA-9948. Okay.