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…
Liability
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…
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…
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…
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…
Vicarious Liability for Employees: Are You Your Employees’ Keeper?
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…
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…
