BAP Towing Coverage Without Endorsement?
An auto collision occurred in a remote location. The towing bill of $457 was declined by the adjuster since no towing and labor coverage had been purchased. However, the policy…
Commercial Lines
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…
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…
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…
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…
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…
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…
