Commercial Lines

ISO’s “Fraudulent Impersonation” Crime Endorsement

The exposure to loss of money, securities, or other property due to trick, scam, etc. has been around for millennia, but from an insurability standpoint, traditional “ISO standard” insurance products…

Global business, internet network connection, IoT Internet of Things, business intelligence concept. Busines global network, futuristic technology background. AI generative

The BAP and Automatic Trailer Coverage

The owner of a large commercial account is loaning his nonresident daughter a Ford F350 pickup for a week in order to relocate a horse in the horse trailer that…

Policy Form Edition Dates and Why They’re Important

One of the most frustrating types of questions received by the VU “Ask an Expert” service usually begins with, “Does ‘a’ homeowners policy cover…” or “Does ‘a’ BOP cover….” The…

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…

Closeup image new car with piggy bank, key on hood isolated outside corporate building. Dealership offering credit line finance services. Lease automobile purchase financing concept. Financial success

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…

person with magnifying glass isolated on blue background. recruitment staff, people search, check personal information concept, 3d illustration render

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…

3d rendering delivery drone flying with cityscape background

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