Commercial Lines

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 client, what should you do?

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 any of your insured’s vehicles, and 2) that the carrier won’t add an additional audit charge at audit after an accident involving “any auto.” Often…

A business transports people to various medical facilities such as routine doctor visits and other non-emergency appointments. How is the exposure arising from moving patients from the vehicle and into the medical facility, and vice versa, covered? Is it BAP or CGL? Is this a “loading and unloading” situation?

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 up 1,000%. This Burns & Wilcox article details some of the challenges facing trucking companies and their brokers.

Insurance Services Office (ISO) recently introduced several changes to its Auto Dealer Coverage Form (CA 00 25) with a November 2020 edition date and a proposed effective date of December 1, 2020. These changes are in response to changes in the business auto program, the general liability program and the dissolution of the garage program.

Insurance Services Office (ISO) recently introduced several changes to the Business Auto Coverage Form (CA 00 01) with a November 2020 edition date and a proposed effective date of December 1, 2020.

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 existed for years. Get to know these endorsements, they can save the insured from major coverage gaps.

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.” Because of the technology found in new vehicles, hacker may be able to “steal” your car even though you are still in passion of it.

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 the pastor’s PAP and the church is not listed as an additional insured. The pastor and his wife use the vehicle mostly for their personal…

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 if it does NOT have a business auto policy; and how does a restaurant’s business auto policy respond to food delivery when they have the…