Commercial Lines

Does the BAP Cover a Detached Snow Plow?

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…

BAP Towing Coverage Without Endorsement?

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…

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.

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