Commercial Lines

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…

Crossing wooden rings with spheres on blue background. Modern abstract art with geometric shapes. 3d rendering.

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…

The image of a gavel in a shopping cart suggests the intersection of consumerism and legal matters.

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…

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…

car in dark

Does a Trucker Need CGL Coverage?

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…

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…

Glasses with brain isolated on orange background. 3d illustration

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…

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…

Car crash dangerous accident on the road. SUV car crashing beside another one on the road.

Business Auto or Workers Compensation Claim?

An insured was operating a company-owned vehicle after hours for personal use. He is required to carry a pager as he is on call 24 hours for emergencies. He was…

Broken car in an accident. Crash on the road. Background with selective focus and copy space for text

Care, Custody or Control and Separation of Insureds

In the article, “The ‘Work You Performed’ Exclusion,” it is pointed out that damage to a customer’s auto during an ongoing operation, absent garagekeepers coverage, is often denied due to the care, custody or…

A car protected under a glass dome bubble. Car insurance concept. Generative ai.

Filters

    1. VU Resources (407)
    2. News (35)
    3. Posts (15)
    4. Resources (10)

    1. Virtual University (404)
    2. ACT (4)
    3. Government Affairs (12)
    4. Invest (1)
    5. E&O Guardian (6)
    6. Company Partners (3)
    7. Alliance Blue (13)
    8. Alliance Blue Plus (6)
    9. Trusted Choice (1)
    10. Research (2)
    11. Alliance (8)
    12. Best Practices (1)
    13. Alliance Gold (5)
    14. State Association (1)
    15. E&O (5)
    16. Future One (1)
    17. Ask an Expert (4)

    1. Article (400)
    2. Download (2)
    3. Webinar (3)
    4. Checklist (5)

    1. Commercial Lines (2)
      1. Workers Compensation (57)
      2. Commercial Auto (49)
      3. Professional Liability (18)
        1. E&O (18)
      4. Crop (12)
      5. Bonds (7)
      6. Cyber Liability (6)
      7. BOP (2)
    2. Personal Lines (1)
      1. Personal Umbrella (1)
    3. Auto (3)
      1. Auto Home (3)
    4. Flood (1)
      1. Personal Flood (2)
      2. Commercial Flood (1)

    1. Commercial Lines (15)
      1. Commercial General Liability (CGL) (5)
        1. Exclusions (20)
        2. Other CGL (19)
        3. Coverages (19)
        4. Endorsements CGL (15)
        5. Additional Insureds (10)
        6. Contractual (8)
        7. Insureds (7)
        8. Crime (7)
        9. Liability CGL (6)
        10. Conditions CGL (5)
        11. Definitions (5)
      2. Property (2)
        1. Conditions Property (34)
        2. Other Property (32)
        3. Coverages Property (16)
        4. Endorsements Property (9)
        5. Perils (2)
      3. Commercial Lines Auto (8)
        1. Physical Damage (13)
        2. Other (8)
      4. Miscellaneous Commercial Lines (64)
      5. Business Income (20)
      6. Workers Compensation (48)
      7. Liability (20)
      8. Professional Liability (15)
    2. Personal Lines (1)
      1. Auto (1)
        1. Liability Auto (1)
      2. Miscellaneous Personal Lines (1)
    3. Back to Basics (10)

    1. Agency Management (25)
    2. Customer Service (2)
    3. Marketing (7)
    4. Technology (1)
      1. Artificial Intelligence (1)
    5. Sales (4)
    6. Procedures (1)
      1. Coverage Checklists (4)
      2. Sample Customer Letters (1)
    7. Human Resources (2)
    8. Certificates of Insurance (14)
    9. EO Loss Control (1)
      1. Claims Advisor (1)
    10. Professional Development (1)
    11. Risk Management (5)
    12. Hiring and Recruiting (1)
    13. Regulation (1)
    14. Professional Liability (12)
    15. Diversity & Inclusion (1)
    16. Disaster Preparedness (1)
    17. Compensation (2)
    18. Recruiting (1)
    19. Agency Financing (1)

    1. Press Releases (11)
    2. ACT News (1)
    3. State News (4)
    4. Big "I" News (4)
    5. Two for Tuesday (6)