When might a business auto policy cover the escape of pollutants?

A business auto policy may cover the escape of pollutants if vehicles are involved in accidents because such incidents can lead to the accidental release of hazardous materials. When a vehicle that is carrying pollutants is involved in a collision, there is a possibility that the materials can spill or leak, causing environmental damage. This accidental discharge is typically covered under a business auto policy's liability provisions, as it aligns with the purpose of insurance to protect against unforeseen events that cause harm to third parties.

Other situations, like transportation of goods or intentional escape of pollutants, may not qualify for coverage under the standard terms of a business auto policy. Coverage explicitly depends on the occurrence being accidental and unintentional, which aligns with how insurance is designed to mitigate losses from unforeseen accidents. Additionally, releasing pollutants during regular vehicle maintenance does not typically qualify for coverage, as such activities are considered part of the routine use of the vehicle rather than an accident.