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One of the most frequently asked questions about the Business Auto Policy (BAP) is when and why do you use the Individual Named Insured endorsement (CA 99 17) as opposed…

Contractors may have autos like dump trucks and semi-tractors that they want to “lay up” while the vehicles are not needed during a construction slow-down. One contractor was told he…

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In the liability coverage of the garage policy (similar to that in the CGL), there is a contractual liability exclusion. However, the exclusion doesn’t apply to “liability for damages…[t]hat the…

With the mobility that technology offers in the form of cell phones, PDAs, and laptops, the ability to conduct business away from the traditional office has exposed employers to hazards…

For whatever reason(s), some carriers are more willing to write business auto liability coverage under Symbols 2, 8, and 9, rather than Symbol 1. Recently, we received an “Ask an…

Improperly valuing an agency for sale or purchase can cost hundreds of thousands of dollars. Relying on commission multiples as a valuation tool is a complete waste of time. This…

The differences between “purchases” and “mergers” is so great that one is forced to wonder how they became so closely related in agency management literature. The two activities are fundamentally…

From our “Ask an Expert” file: On a Business Auto Policy (BAP) can you add the owner of the premises you are doing a job for as an additional insured?…

The issue of “care, custody and control” in insurance policy exclusions will probably be debated until the end of time. In this article, we’ll explore the issue of “CCC” with…