VU Resources

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…

Hammer gavel judge with car vehicle accident, insurance coverage claim lawsuit court case.

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…

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Symbol 1 Coverage for Unreported Vehicles

In May, following a June renewal, one of the insured’s vehicles was involved in a fatal auto accident. It was learned that the vehicle was purchased the previous May just…

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The “Work You Performed” Exclusion

When a garage does repair work on an auto, it’s possible that negligent or defective work could result in subsequent damage. For example, a leaky oil change could result in…

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.

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