What happens when you combine restaurant operations with an auto exposure beyond the mere delivery or catering operation? Join Mike Edwards as he combines his two favorite subjects – insurance…
This article is about the often misunderstood exposure of discontinued operations. While your Technical Affairs Committee continues to work with ISO with little success to develop stronger coverage for discontinued…
Unlike the simple ISO HO policy, the ISO CGL policy has no specific professional liability exclusion. As a result, sometimes it can be difficult to determine whether a claim is…
In today’s market, everyone is looking for a way to reduce premiums. One method that is sometimes used is to not carry UM coverage under the BAP. After all, if…
Question: “My customer has a Business Auto Policy (BAP) with Symbol 1 for liability and Symbol 7 for physical damage. One of their autos will be in the shop for…
A contractor is rolling an air compressor across a parking lot to load it into his truck. He slips and the compressor rolls into a Cadillac. Is it a Business…
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…
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…
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…
“On-hook” coverage is often provided for towing operations in case a vehicle being transported is damaged. Exactly what is “on-hook” coverage and how does it compare to garagekeepers coverage? If…
