Commercial Auto

If a BAP Has Symbols 8 & 9, Is the Drive Other Car (DOC) Endorsement Needed?

A customer with a d/b/a sole proprietorship owns two autos covered by a BAP written with Symbols 7, 8, and 9. She drives one, largely on business, and her retired…

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Drivers, Local Authorities Deal with Tough Winter’s Potholes

ALEXANDRIA, Virginia, March 10, 2015 — Poor road conditions have cost consumers and the insurance industry at least $27 billion over a five year period, according to a 2014 survey…

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Should CGL and BAP Be Written in the Same Insurer?

One of the most common claim scenarios reported through the VU “Ask an Expert” service involves injury or damage arising from the loading or unloading of a vehicle or its…

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Is DOC Needed if the BAP Has Symbol 1?

A commercial prospect’s CEO drives a company car. The current agent told the CEO that DOC coverage is not necessary if Symbol 1 coverage is used for liability since it…

Food Truck Claim…BAP or CGL?

According to a recent news story, a dozen or more people were injured by exploding propane tanks used for cooking on a food truck parked at the curb of a…

Business Auto Coverage for Nonowned Trailers

Question: “The commercial auto policy automatically includes coverage for a trailer pulled by that vehicle so long as the GVW is under 2,000 lbs. Many insureds have trailers titled in…

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