What it does

CA 23 05 adds an exclusion to Covered Autos Liability: no coverage for bodily injury or property damage resulting from the delivery of any liquid into the wrong receptacle or to the wrong address, or from delivering one liquid for another, if the injury or damage occurs after delivery has been completed. Delivery counts as completed even if further service, maintenance, correction, repair or replacement is needed because of the wrong delivery.

Who needs it (and why it appears)

Insurers attach it to liquid product distributors so the completed-delivery exposure (for example, heating oil pumped into a decommissioned tank, or gasoline delivered into a diesel tank) is handled by general liability products-completed operations rather than the auto policy. Rating manuals list it among endorsements for truck classifications hauling liquids.

Selling notes

When you see CA 23 05 on a fuel dealer's auto quote, confirm the CGL has products-completed operations without a matching exclusion. Pollution from spills in transit is addressed separately by CA 99 48.