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…
Commercial Lines
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…
Food Truck Claim…BAP or CGL?
According to a recent news story, a dozen or more people were injured by exploding propane tanks used for cooking on a food truck parked at the curb of a…
New in 2014: Business Income Coverage for Autos and Mobile Equipment
Many mobile businesses today rely almost exclusively on the vehicle(s) used in the business. As a result, if a vehicle is put out of commission, the business can suffer a…
Physical Damage Coverage for an Auto’s Equipment
Some businesses may have substantial values in equipment that is used while attached to an auto. Can this be covered under the physical damage section of a Business Auto Policy…
Insuring Food Trucks…Common Exposures in Uncommon Circumstances
What happens when you combine restaurant operations with an auto exposure beyond the mere delivery or catering operation? Join Mike Edwards as he combines his two favorite subjects – insurance…
Is Sales Tax Covered by an Auto Policy?
Your insured’s auto is totaled by a negligent driver. The at-fault party’s insurer has agreed to compensate your insured’s loss of value. However, in purchasing a replacement vehicle, the insurer…
Contact with Animal NOT a Collision?
A Business Auto Policy was written with Collision and Specified Causes of Loss coverage. The insured struck a deer and the adjuster denied the claim on the basis that, since…
Business Auto Coverage for Nonowned Trailers
Question: “The commercial auto policy automatically includes coverage for a trailer pulled by that vehicle so long as the GVW is under 2,000 lbs. Many insureds have trailers titled in…
Insuring Commercial Trailers Without Owned Autos
You’re quoting a business with a BOP that has Hired/Nonowned Auto coverage. The business purchases three trailers to take to job sites and trade shows. The trailers will be hauled…
