Commercial Lines Auto

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…

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…

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…

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 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…

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…

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…

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…

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…

Your insured is a large company that maintains its own vehicles. They serviced the brakes on a truck and, while being operated, the brakes failed, there was an accident, and…