Input from ACORD Regarding Recent Changes to the ACORD 25
ACORD recently released a new edition of the ACORD 25 (2025/12), now in use. Here is a clarification to any confusion about listing contract not policy limits.
Commercial General Liability (CGL)
Condo Association Does Not Rebuild After a Loss: Does the Unit Owner Recoup Their Investment?
For a total loss of a condominium association’s premises, many chose not to rebuild. This can occur for a variety of reasons. These include insufficient limits to recover the full…
Food Delivery and the Business Auto Policy
Thousands of restaurants engage in food delivery. This is, by no means, a new phenomenon. With that reality in mind, two questions arise: Is the restaurant covered for food delivery…
Coronavirus and the Auto Exposure
Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as…
Employee Hits His Own Car in a Company Vehicle! Is This Excluded in the BAP?
“An” insured does not equal “the” insured in any policy; however, carriers like to broaden the meaning of “an” insured in the BAP care, custody or control exclusion to make…
BAP Coverage for Auto Hired with Driver
An event planner wants to expand his services to include hiring a shuttle van, shuttle bus, or limo as a part of a package deal when planning large events. The…
“Pollution” Incident…BAP or CGL?
Leaked fluids from a wreck of two vehicles were not properly cleaned up by a private firm. As a result, a motorcyclist was seriously injured when he slid through 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…
Should CGL and BAP Be Written in the Same Insurer?
One of the most common claim scenarios reported through the VU “Ask an Expert” service involves injury or damage arising from the loading or unloading of a vehicle or its…
Is DOC Needed if the BAP Has Symbol 1?
A commercial prospect’s CEO drives a company car. The current agent told the CEO that DOC coverage is not necessary if Symbol 1 coverage is used for liability since it…
