VU Resources

Your insured has BAP Symbol 9 nonowned auto coverage which extends coverage to the named insured while employees use their autos on business. However, what if the named insured uses…

Is the payroll of hourly works compensable under the ISO CP 00 30 business income form? This situation is another variation on a previous VU article about whether a continuing…

A customer with a d/b/a sole proprietorship owns two autos covered by a BAP written with Symbols 7, 8, and 9. She drives one, largely on business, and her retired…

Agents and insureds often think employee dishonesty coverage on a BOP is the same as coverage provide by Commercial Crime policies or forms. Unfortunately, that’s not the case. This article…

BAP Symbols 8 and 9, Drive Other Car coverage, and the Individual Named Insured endorsement…which is appropriate under what circumstances? Confusion abounds!

In response to the “Rise of the Drones” (not to be confused with the “Rise of the Planet of the Apes”), ISO has filed new and revised policy provisions for…

One of the most litigated provisions in the ISO CGL policy is the pollution exclusion. But what we have found via our “Ask an Expert” service is that often claim…

Your insured is a pool contractor. If he damages the pool’s liner, causing a leak, does his CGL cover him? What if he needs to drain the pool for maintenance…

One of the most common claim scenarios reported through the VU “Ask an Expert” service involves injury or damage arising from the loading or unloading of a vehicle or its…

A commercial prospect’s CEO drives a company car. The current agent told the CEO that DOC coverage is not necessary if Symbol 1 coverage is used for liability since it…