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…
Commercial Lines
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…
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…
Garagekeepers vs. On-Hook Coverage
“On-hook” coverage is often provided for towing operations in case a vehicle being transported is damaged. Exactly what is “on-hook” coverage and how does it compare to garagekeepers coverage? If…
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…
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…
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…
Business Auto or Workers Compensation Claim?
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…
Care, Custody or Control and Separation of Insureds
In the article, “The ‘Work You Performed’ Exclusion,” it is pointed out that damage to a customer’s auto during an ongoing operation, absent garagekeepers coverage, is often denied due to the care, custody or…
The BAP Completed Operations Exclusion…Don’t Believe Everything You Read
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…
