A vehicle was damaged, including the attached permanently-mounted tool box, welder and generator. The adjuster denied the claim stating that the attached equipment was not a part of the original…
If an employee rents a car on a business trip, is this a Symbol 8 (hired) or Symbol 9 (nonowned) exposure? Under an unendorsed BAP, it depends on who is…
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…
A corporate owner or officer wants to insure his personally owned auto on the company’s Business Auto Policy. Heck, he wants to insure all the family vehicles under the BAP!…
Many companies insist on writing some auto service exposures under the CGL and BAP policies, with Garagekeepers Legal Liability attached. (In fact, ISO has removed nondealership risks from the Garage…
The principal of a corporation has leased her only personally owned auto to the corporation and is named as an additional insured-lessor on that auto. She is named on the…
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…
The ISO Personal Auto Policy provides broad coverage for the use of nonowned autos…essentially, the broadest coverage on any owned vehicle (liability, medical payments, physical damage, etc.) will extend to…
An insured was operating a company-owned vehicle after hours for personal use. He is required to carry a pager as he is on call 24 hours for emergencies. He was…
