Commercial Lines

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 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…

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…

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…

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 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…

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…

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…