Back to Basics – What Does Symbol 1 on the Business Auto Policy Cover?
While Symbol 1 of the Commercial Auto Policy should cover “any auto” your insured drives, there are no guarantees that 1) Your carrier will allow this coverage on all or…
Commercial General Liability (CGL)
Recent Trucking Spills No Laughing Matter for Transportation Industry
Nuclear verdicts are hitting most insurance sectors, but nowhere is the threat more prevalent than in the trucking industry. From 2010 to 2018, average trucking verdicts over $1 million were…
ISO Business Auto Form and Endorsement Revisions
ISO’s most recent BAP multistate filing includes 19 NEW endorsements. Effective 11/1/2020, many of these endorsements are the result of Big I’s Technical Affairs Committee and cover gaps that have…
The Era of Vehicle Hacking is Here. Are Insurers Ready?
Do you think your car can be “stolen” yet still be sitting in the parking lot or driveway with you in it? Well, evidently, it can – it’s called “Hacking.”…
Church-Owned, Pastor Insured: Is This Correct?
An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…
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…
Running MVRs for Commercial Auto Clients
Agents often get pulled into spots they don’t need to be; one of those is pulling MVRs for commercial auto clients. If asked to run MVRs for your commercial auto…
Trailer-Related Liability Chart
Here’s your one-stop-shop for Liability Coverage for Trailer-Related Liability: Primary and Excess Protection.
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…
