Pollution Claim Covered by Business Auto or CGL Form?

Q

We have a question about the pollution exclusion in the business auto policy. If, during the process of delivering fuel oil at a private residence, some of the oil accidentally spilled onto the driveway, lawn, etc., would liability for this property damage be excluded? What if, under the same circumstances, property damage is done to the interior of the dwelling? For example, if the delivery driver accidentally put fuel into the wrong pipe, such as one that has been disconnected, the oil would flow freely onto the basement floor.