Commercial Lines

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.

Abusing the Pollution Exclusion

A contractor was hauling an oil tank on his flatbed trailer to a disposal site. The tank leaked a small amount of oil onto the road and a motorcycle in…

Hammer gavel judge with car vehicle accident, insurance coverage claim lawsuit court case.

Snow Plowing…BAP or CGL?

Your commercial insured hires an independent contractor to snowplow his lot. If your insured is sued, under his BAP should he have at least Symbol 8, or 9 coverage? In…

Frozen ice covered plants in hoarfrost with light bokeh. Gentle winter background with sun flare. Winter natural plant background in cold blue tones. Selective focus.

Symbol 1 Coverage for Unreported Vehicles

In May, following a June renewal, one of the insured’s vehicles was involved in a fatal auto accident. It was learned that the vehicle was purchased the previous May just…

two toy broken cars and car insurance document. compare car insurance concept. gray background

The “Work You Performed” Exclusion

When a garage does repair work on an auto, it’s possible that negligent or defective work could result in subsequent damage. For example, a leaky oil change could result in…

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