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…
Commercial Lines Auto
Business Auto Coverage Games
A corporate owner or officer wants to insure his personally owned auto on the company’s Business Auto Policy. Heck, he wants to insure all the family vehicles under the BAP!…
Garage Policy vs. CGL+BAP+GKLL
Many companies insist on writing some auto service exposures under the CGL and BAP policies, with Garagekeepers Legal Liability attached. (In fact, ISO has removed nondealership risks from the Garage…
DOC Coverage for a Personally Owned Auto Leased to a Corporation
The principal of a corporation has leased her only personally owned auto to the corporation and is named as an additional insured-lessor on that auto. She is named on the…
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…
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…
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…
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…
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…
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…
