VU Resources

Triggering Coverage Under the Individual Named Insured Endorsement

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…

Car insurance document, with a vehicle and policy, 3D illustration, copy space for text,

Auto Insurance Suspensions & Lay-Up Endorsements

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…

What’s the Difference Between a Leased and Rented Auto?

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…

Blue compact SUV car with sport and modern design parked on concrete road by the sea at sunset. Environmentally friendly technology. Business success concept.

Individual Named Insured vs. Drive Other Car Endorsements

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…

Gray modern car closeup on black background.

Auto Insurance Suspensions Revisited

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…

engineer working on building site

Garagekeepers Gap…Contractual Liability

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…

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…

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