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…
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…
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…
One of the most frequently asked questions about the Business Auto Policy (BAP) is when and why do you use the Individual Named Insured endorsement (CA 99 17) as opposed…
Contractors may have autos like dump trucks and semi-tractors that they want to “lay up” while the vehicles are not needed during a construction slow-down. One contractor was told he…
In the liability coverage of the garage policy (similar to that in the CGL), there is a contractual liability exclusion. However, the exclusion doesn’t apply to “liability for damages…[t]hat the…
With the mobility that technology offers in the form of cell phones, PDAs, and laptops, the ability to conduct business away from the traditional office has exposed employers to hazards…
For whatever reason(s), some carriers are more willing to write business auto liability coverage under Symbols 2, 8, and 9, rather than Symbol 1. Recently, we received an “Ask an…
From our “Ask an Expert” file: On a Business Auto Policy (BAP) can you add the owner of the premises you are doing a job for as an additional insured?…
The issue of “care, custody and control” in insurance policy exclusions will probably be debated until the end of time. In this article, we’ll explore the issue of “CCC” with…
