Strategies

A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.

If an employee drives a regularly furnished company car and the employee and family members are injured in an accident while using that car, how is that claim covered?

A commercial insured needs to coordinate between a business auto policy and an inland marine policy to cover a a water well drill rig permanently mounted on a Peterbilt truck.

If the insured has a claim outside the 500-mile radius, will the claim be covered? Is there a chance the carrier may wish to nonrenew or cancel?

Does a nonprofit organization that has a workers compensation policy in force also need uninsured/underinsured motorist coverage?

A nonprofit wants to use a golf cart, which is not required to be licensed in the state, to travel around a university campus. Is the golf cart considered an auto or mobile equipment?

Does Symbol 1 cover vehicles that might not immediately be listed due to system glitches, human errors or other oversights?

The insured does not want to cancel the business auto policy nor transfer the vehicles to his personal name and personal auto policy. Could the carrier deny coverage if a claim occurred?

A U.S.-based trucking client’s truck and cargo were stolen in Canada, but the carrier denied the claim due to a territorial exclusion. The loss happened “before the insured had a chance to read the policy.”