Commercial Auto

Your insured’s auto is totaled by a negligent driver. The at-fault party’s insurer has agreed to compensate your insured’s loss of value. However, in purchasing a replacement vehicle, the insurer…

A Business Auto Policy was written with Collision and Specified Causes of Loss coverage. The insured struck a deer and the adjuster denied the claim on the basis that, since…

An insured owns and operates a truck with a snow plow. While detached in his yard, the plow was damaged by a tree uprooted in a windstorm. The truck is…

You’re quoting a business with a BOP that has Hired/Nonowned Auto coverage. The business purchases three trailers to take to job sites and trade shows. The trailers will be hauled…

A vehicle was damaged, including the attached permanently-mounted tool box, welder and generator. The adjuster denied the claim stating that the attached equipment was not a part of the original…

If an employee rents a car on a business trip, is this a Symbol 8 (hired) or Symbol 9 (nonowned) exposure? Under an unendorsed BAP, it depends on who is…

An auto collision occurred in a remote location. The towing bill of $457 was declined by the adjuster since no towing and labor coverage had been purchased. However, the policy…

Recently, we’ve had several “Ask an Expert” questions about the need for CGL coverage for someone whose business involves almost exclusively the driving or operation of a motor vehicle, from…

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…

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…