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…
Commercial Lines
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…
Abusing the Pollution Exclusion
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…
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…
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…
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…
Triggering Coverage Under the Individual Named Insured Endorsement
For coverage, individuals must be named on the Drive Other Car (DOC) endorsement. Is the same true for the Individual Named Insured (INI) endorsement? Does the individual’s name or names…
Auto Insurance Suspensions & Lay-Up Endorsements
Commercial insureds may take vehicles out of commission during certain times of the year. Likewise, personal auto insureds might winter in Florida and want to suspend their auto insurance for…
What’s the Difference Between a Leased and Rented Auto?
The insured has had exclusive use of a moving van for over six months. It is in their possession every day and is never returned except for required routine maintenance…
