Church-Owned, Pastor Insured: Is This Correct?
An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…
VU Resources
Food Delivery and the Business Auto Policy
Thousands of restaurants engage in food delivery. This is, by no means, a new phenomenon. With that reality in mind, two questions arise: Is the restaurant covered for food delivery…
Coronavirus and the Auto Exposure
Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as…
Running MVRs for Commercial Auto Clients
Agents often get pulled into spots they don’t need to be; one of those is pulling MVRs for commercial auto clients. If asked to run MVRs for your commercial auto…
Business-Use Auto Titled in Business and Individual’s Name
Small businesses are facing problems when buying a commercial auto for business use – banks often require the business and the business owner’s name be on the title. This has…
Trailer-Related Liability Chart
Here’s your one-stop-shop for Liability Coverage for Trailer-Related Liability: Primary and Excess Protection.
2 Overtly Useless BAP Endorsements
Lawyers make life interesting for the insurance industry. Often we outsmart them by creating endorsements to satisfy a request that, in effect, really do nothing other than make the lawyers…
Employee Hits His Own Car in a Company Vehicle! Is This Excluded in the BAP?
“An” insured does not equal “the” insured in any policy; however, carriers like to broaden the meaning of “an” insured in the BAP care, custody or control exclusion to make…
“Leaseback” of a Personally-Owned Auto Done Right
Personally-owned autos belong on a personal auto policy (PAP), but occasionally a commercial insured intentionally or unintentionally includes one or several personally-owned auto(s) on its business auto policy (BAP). Commercial…
Auto Statutes by State
State laws vary regarding auto policies, personal and commercial. Each state prescribes its own minimum limits and other required coverages. Some state require Uninsured Motorist (UM) and some states require…
