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Business Auto Policy Coverage Guide, 3rd Edition

  • ID: 1413628
  • Book
  • July 2005
  • 210 pages
  • Summit Professional Networks
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With the Business Auto Policy Coverage Guide, insurance professionals have a solid book to refer to when coverage questions and other issues surrounding business auto exposures arise. Business Auto Policy coverage is essential for the business "on the move." This guide helps you interpret the standard policy most often used to insure commercial automobile risks and provides all the answers you'll need.

The Business Auto Policy Coverage Guide has been updated to include all of the important changes to the Insurance Services Office Business Auto Policy form.

The updates cover:

- Current Business Auto CA 00 01 03 10 form
- expanded coverage and claims examples and practitioner’s tips
- case law with analysis and explanation
- additional specimen forms and select endorsements
- additional charts providing state-by-state treatment of relevant law
- expanded coverage checklists

The Business Auto Policy Coverage Guide comes to you from The National Underwriter Company, which is committed to keeping you current. It is the authoritative guide for the analysis and interpretation of the businessowners policy.

The Business Auto Policy Coverage Guide analyzes the Insurance Services Office (ISO) business auto program. The 2010 ISO revision incorporated revisions to the Business Auto, Garage, and Motor Carrier forms and endorsements. This book focuses on the revisions to the Business Auto form and endorsements, including the introduction of new endorsements.
Note: Product cover images may vary from those shown
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Chapter 1: The Business Auto Coverage Form
ISO Rules
The Declarations Form
Purpose of this Work

Chapter 2: Covered Auto Designations
Coverage Symbols
Symbol 1
Symbol 2
Symbol 3
Symbol 4
Symbol 5
Symbol 6
Symbol 7
Symbol 8
Symbol 9
Symbol 19
Owned Autos Acquired After Policy Inception
Certain Trailers, Mobile Equipment, and Temporary Substitute Autos

Chapter 3: Liability Coverage
The Insuring Agreement
Who Is An Insured
Coverage Extensions
Expected or Intended Injury
Workers Compensation/Employers Liability
Care, Custody, or Control
Handling of Property
Handling of Property
Movement of Property
Completed Operations
Limits of Insurance

Chapter 4: Physical Damage Coverage
The Coverage Agreements
Glass Breakage
Coverage Extension
Exclusions (Physical Damage)
Limits of Insurance

Chapter 5: Business Auto Conditions
Loss Conditions
Duties in the Event of Loss
Legal Action Against the Insurer
Loss Payment
Transfer of the Rights of Recovery
General Conditions
Concealment, Misrepresentation, or Fraud
No Benefit to Bailee
Other Insurance
Premium Audit
Policy Period/Coverage Territory
Two or More Coverage Forms
Common Policy Conditions
Examination of Books
Inspections and Surveys
Transfer of rights and Duties

Chapter 6: Business Auto Definitions
“Bodily Injury”
“Covered Pollution Cost or Expense”
“Diminution in Value”
“Insured Contract”
“Leased Worker”
“Mobile Equipment”
“Property Damage”
“Temporary Worker”

Chapter 7: Auto Medical Payments Coverage
Who Is An Insured
Limit of Insurance
Changes in Conditions
Additional Definitions

Chapter 8: Nonownership Coverage
Hired or Borrowed Autos Coverage
Hired Autos Rating Information
Nonownership Liability Insurance
Who Is An Insured
Nonownership Property Damage Coverage
Rating Information

Chapter 9: Auto Leasing & Rental Coverage Endorsements
Lessor—Additional Insured and Loss Payee CA 20 01
Contingent Coverage CA 20 09
Conversion, Embezzlement or Secretion Coverage CA 20 10
Exclusion of Certain Leased Autos CA 20 11
Rent-It-Here/Leave-It-Here Autos CA 20 12
Schedule of Limits for Owned Autos CA 20 13
Second Level Coverage CA 20 14
Autos Leased with Drivers CA 20 33

Chapter 10: Drive Other Car Coverage Endorsements
Broadened Coverage for Named Individuals CA 99 10
Individual Named Insured CA 99 17
Chapter 11: Endorsements
Limited Mexico Coverage CA 01 21
Exclusion of Federal Employees Using Autos in Government Business CA 04 42
Waiver of Transfer of Rights of Recovery against Others to Us CA 04 44
Golf Carts and Low-Speed Vehicles CA 04 45
Audio, Visual and Data Electronic Equipment Coverage—Fire, Police, and Emergency Vehicles CA 20 02
Drive-Away Contractors CA 20 05
Driving Schools CA 20 06
Mobile Equipment CA 20 15
Mobile Homes Contents Coverage CA 20 16
Professional Services Not Covered, CA 20 18
Repossessed Autos CA 20 19
Snowmobiles CA 20 21
Registration Plates Not Issued for a Specific Auto CA 20 27
Autos Leased, Hired, Rented or Borrowed With Drivers — Physical Damage Coverage CA 20 33
Designated Insured CA 20 48
Explosives CA 23 01
Multi-Purpose Equipment CA 23 03
Rolling Stores CA 23 04
Wrong Delivery of Liquid Products CA 23 05
Coverage for Injury to Leased Workers CA 23 25
Amphibious Vehicles CA 23 97
Public Transportation Autos CA 24 02
Fire; Fire and Theft; Theft and Windstorm; and Limited Specified Causes of Loss Coverages CA 99 14
Rental Reimbursement Coverage CA 99 23
Stated Amount Insurance CA 99 28
Tapes, Records, and Discs Coverage CA 99 30
Employees As Insureds CA 99 33
Social Service Agencies - Volunteers As Insureds CA 99 34
Garagekeepers Coverage CA 99 37
Exclusion or Excess Coverage Hazards Otherwise Insured CA 99 40
Loss Payable Clause CA 99 44
Employee As Lessor CA 99 47
Pollution Liability — Broadened Covearge CA 99 48
Garagekeepers Coverage — Customers Sound Receiving Equipment CA 99 59
Audio, Visual and Data Electronic Equipment Coverage CA 99 60
Loss Payable Clause — Audio, Visual and Data Electronic Equipment CA 99 61
Uninsured Motorists Coverage Endorsements

Appendix A: Commercial Auto Checklist
Appendix B: Table of Limits
Appendix C: Indicators of Vehicle Theft Fraud
Appendix D: Specimen Forms and Endorsements
CA 00 01 Business Auto Coverage Form
CA DS 03 Business Auto Declarations
CA 99 03 Auto Medical Payments Coverage
CA 99 10 Drive Other Car Coverage — Broadened Coverage for Named Individuals
CA 99 16 Hired Autos Specified As Covered Autos You Own
CA 20 54 Employee Hired Autos
CA 20 71 Auto Loan/Lease Gap Coverage
CA 04 42 Exclusion of Federal Employees Using Autos in Government Business
CA 04 44 Waiver of Transfer of Rights of Recovery Against Others to Us
CA 04 45 Golf Carts and Low-Speed Vehicles
CA 02 21 Snowmobiles
CA 23 97 Amphibious Vehicles
CA 99 33 Employees as Insureds
IL 00 17 Common Policy Conditions

Note: Product cover images may vary from those shown
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Note: Product cover images may vary from those shown