Commercial Lines

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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Some Employers Shortchanged On Employee Dishonesty Coverage

Agents and insureds often think employee dishonesty coverage on a BOP is the same as coverage provide by Commercial Crime policies or forms. Unfortunately, that’s not the case. This article…

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ISO’s 2015 CGL and CUP Drone Filing

In response to the “Rise of the Drones” (not to be confused with the “Rise of the Planet of the Apes”), ISO has filed new and revised policy provisions for…

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The CGL and Swimming Pool “Pop-Ups”

Your insured is a pool contractor. If he damages the pool’s liner, causing a leak, does his CGL cover him? What if he needs to drain the pool for maintenance…

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…

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