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Additional Insureds and Certificates

THIS MAY BE THE MOST IMPORTANT ARTICLE YOU READ THIS YEAR. If you insure contractors or others who must enter into agreements specifying insurance coverages and certificate language, you could…

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Contractual Liability vs. Additional Insured Status

Question: “I have had discussions with agents who believe that the wording in the ISO CGL policy pertaining to an “insured contract” covers the requirement to add additional insured status…

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Insuring the Independent Contractor Exposure

Many businesses use independent contractors. While the “principal” (owner) is usually not liable for the actions of an independent contractor, third parties can make claim or sue the owner on…

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The BAP and Temporary Substitutes

Question: “My customer has a Business Auto Policy (BAP) with Symbol 1 for liability and Symbol 7 for physical damage. One of their autos will be in the shop for…

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Do Businesses Need to Buy UM Coverage?

In today’s market, everyone is looking for a way to reduce premiums. One method that is sometimes used is to not carry UM coverage under the BAP. After all, if…

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Is It BAP or CGL?

A contractor is rolling an air compressor across a parking lot to load it into his truck. He slips and the compressor rolls into a Cadillac. Is it a Business…

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BAP Coverage for Loaner Cars…Or Lack Thereof

The ISO Personal Auto Policy provides broad coverage for the use of nonowned autos…essentially, the broadest coverage on any owned vehicle (liability, medical payments, physical damage, etc.) will extend to…

Garagekeepers vs. On-Hook Coverage

“On-hook” coverage is often provided for towing operations in case a vehicle being transported is damaged. Exactly what is “on-hook” coverage and how does it compare to garagekeepers coverage? If…

BAP Symbol 2 Coverage for Deleted Autos

An auto policy was written to provide liability and uninsured motorists (UM BI & PD) coverage on a Symbol 2 basis. The insured asked the agency to delete several autos…

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Overcoming a Symbol 7 Limitation with Symbol 8

Your insured’s business auto policy includes Symbols 7 and 8. He acquires a new vehicle, but fails to report it until he has an accident three months later. Normally, there…

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Commercial General Liability (CGL)

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