OP,
I would assume the driver for the Div I rating is from an API recommended practice or NFPA 497. For top loading of a tanker truck (I think, I don't have it in front of me) it's a 5 meter sphere around the loading hatch. These recommended geometries are used because the plant doesn't need to perform dispersion modeling around every possible leak point in the facility and it aids in simplifying design for electrical classification, consideration of ignition sources as well as EHS driven exposure guidelines. It's this last reason is what I suspect is why there are LEL meters in a Div 1 area.
Before going into this last reason see the following from API 505 - Annex G: If an area contains equipment that may release flammable gases or vapors within the area during normal operations, gas detectors are not a feasible alternative unless some degree of ventilation is provided, since frequent alarms or equipment shutdowns, or both, are likely to occur.
My suspicions about why there are LEL monitors in a Div 1 area are due to a project ~10 years ago involving both truck and rail loading and what was a simple instrument installation project that turned into a full-blown rewrite of companywide SOPs. If you review operator SOPs I would guess that EHS requires operators to either not be in Div 1 areas or if they are, a high level of PPE is required. So how is an operator supposed to visually gauge the tank filling from outside of this Div 1 area? Operations gets maintenance to install some electrically rated LEL meters in the Div 1 location, so they are able to justify working in a Div 1 area and still "meet" EHS SOPs. From the outside, this seems to be a logical way of keeping all the stakeholders happy but defeats the whole purpose of EHS using the area hazard rating to limit exposure. It can also justify unsafe work practices. It was discovered in the project I previously referenced that the operators had ways of gauging that did not involve them being exposed to the hazard area, but they didn't want to continuously gauge, so they would instead squeeze between the guardrails and move the fill lid over a bit so they could see how close they were getting prior to them starting to gauge. Bear in mind exposure limits do not necessarily correspond to LEL. As other posters mentioned, a few drops likely do not constitute an unsafe condition or are even considered outside of normal operations. Recommended practice are very helpful from a design, operations and EHS perspective but like many on size fits all practices there are always exceptions to the rule. I think you may have some detective work ahead of you but as a general rule, I would strongly recommend against LEL detectors in an already classified Div 1 location.