Articles

  • Auto Dealer Operations

    Garage operations are businesses that have hybrid coverage need. With such businesses, the lines between the general liability for the operations and the automobile liability exposures blur and overlap. A general liability policy does not provide enough coverage and a commercial auto policy provides too much. Fortunately there is a way to properly handle this need. The Auto Dealers Coverage Form contains premises liability, products liability, automobile liability and automobile physical damage coverage. Operations that should be protected by this policy include the following:

  • Commercial Drivers Drug and Alcohol Testing

    The Federal Motor Carrier Safety Administration (FMCSA) oversees an extensive testing and education program to help employers protect the public against drivers who use controlled substances and/or alcoholic beverages during their work. We will discuss the program in several parts. We’ll first focus on the actual regulations.

     Nationally, drivers must comply with the following:

  • Coverage For Business Autos

    Many businesses are exposed to possible losses due to the ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) which covers operations such as:

  • Non-Owned Auto Coverage

    Employees routinely use their own vehicles in their jobs or just to run errands for their employer. Does your company have protection in case of an accident and both your worker and your company are sued? If your company has a business auto policy, it should include coverage for ‘non-owned’ automobiles. These are vehicles owned by others (such as an employee) that are used in the business of the company. Generally a business auto policy only protects against losses involving company-owned vehicles, so it is important to add "non-owned" coverage.

  • Commercial Auto Symbols

    Have you ever, during a particularly wild moment, closely examined the insurance policy that covers your business vehicles? If so, you may have noticed the little numbers that appear next to each listed coverage. Hopefully you’re familiar with these numbers and their meaning. If not, please see below.

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