Commercial Lines

Does 2 + 8 + 9 = 1?

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…

The BAP and Additional Insureds

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?…

Care, Custody & Control in the BAP

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…

car after an accident, after a pedestrian hit

Certificate vs. Policy Limits

Your insured contractor has gotten a job where the insurance requirements include at least $1,000,000 in CGL coverage. Your insured has a $2,000,000 CGL occurrence limit. He doesn’t want them…

Light bulb glowing on a hardcover book

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