Coalition Releases Enhanced Business Recovery Endorsements
The endorsements are designed to help protect revenue, speed up settlements and keep businesses alive while the numbers get sorted out.
Commercial Lines
Drive Other Car BAP Endorsement: Coverage for Named Insured vs. Listed Individual
An insured is listed as a covered individual on the drive other car endorsement of a business auto policy. He rented a vehicle personally and was involved in an accident. The carrier is denying the claim.
Is a Falsified Car Title Covered Under the False Pretense Endorsement?
A used car dealer purchased a pickup truck with a falsified title. The truck had been previously totaled. The customer is being prosecuted, but the car dealer wants to file a claim.
COI and Blanket Additional Insured: Should an Agency Provide Notice of Cancellation?
If a certificate of insurance (COI) holder is shown as an automatic additional insured when required by contract through a blanket additional insured endorsement and the coverage is cancelled, does the agent need to notify the certificate holder of the cancellation?
Including an HOA as Additional Insured on Contractors’ CGL
An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…
Commercial Property Coverage for Tools Stolen from Jobsite
A general contractor filed a claim after tools were stolen from an employee at an active construction project location. The carrier denied coverage, saying that the tools were not located at the insured’s premises.
Exterior French Drain Backup: Drain Coverage or Surface Water Exclusion?
Heavy rain overwhelmed a French drain outside of a commercial insured’s building, which caused water to back up into the building. The carrier denied the claim because the drain was exterior.
Progressive Insurance Announces New Cargo Plus Coverage
The new endorsement protects truckers by expanding coverage for perils attributed to wetness, rust and corrosion, as well as driver error and changes in temperature on refrigerated loads.
Multi-State ISO BOP Revision Allows Certain Auto Service Risks
A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.
How to Handle Demands to Add Language to a COI
An agency provides a general liability policy for a local religious fraternity. Another insurer is requesting the certificate of insurance (COI) and demanding that it be added as an additional insured on the COI.
