Chapter 1: The Business Auto Coverage Form... 1 ISO Rules...1 The Declarations Form...2

Transcription

1 Table of Contents Chapter 1: The Business Auto Coverage Form... 1 ISO Rules...1 The Declarations Form...2 Chapter 2: Covered Auto Designations... 5 Coverage Symbols...5 Owned Autos Acquired after Policy Inception...12 Certain Trailers, Mobile Equipment and Temporary Substitute Autos...15 Chapter 3: Liability Coverage The Insuring Agreement...19 Who Is an Insured...22 Coverage Extensions...24 Exclusions...25 Limit of Insurance...35 Chapter 4: Physical Damage Coverage The Coverage Agreements...37 Towing...39 Glass Breakage...41 Coverage Extensions...41 Physical Damage Exclusions...43 Limit of Insurance...46 Deductibles...48 Chapter 5: Business Auto Conditions Loss Conditions...51 General Conditions...55 Common Policy Conditions...59 Chapter 6: Business Auto Definitions Accident...63 Auto...63 Bodily Injury Covered Pollution Cost or Expense...65 Diminution in Value Employee Insured ix

2 Insured Contract...68 Leased Worker...69 Loss...69 Mobile Equipment Pollutants Property Damage Suit...72 Temporary Worker...72 Trailer...73 Chapter 7: Auto Medical Payments Coverage Coverage...75 Who Is an Insured?...77 Exclusions...79 Limit of Insurance...83 Changes in Conditions...83 Additional Definitions...84 Chapter 8: Endorsements Limited Mexico Coverage CA Waiver of Transfer of Rights of Recovery against Others to Us CA Golf Carts and Low-Speed Vehicles CA Drive-Away Contractors CA Driving Schools Nonowned Autos CA Mobile Equipment CA Mobile Homes Contents Coverage CA Professional Services Not Covered CA Repossessed Autos CA Snowmobiles CA Registration Plates Not Issued for a Specific Auto CA Autos Leased, Hired, Rented or Borrowed with Drivers Physical Damage Coverage CA Designated Insured CA Employee Hired Autos CA Explosives CA Multipurpose Equipment CA Rolling Stores CA Wrong Delivery of Liquid Products CA Coverage for Injury to Leased Workers CA Amphibious Vehicles CA Trailer Interchange Coverage CA x

3 Public Transportation Autos CA Fire, Fire and Theft, Fire, Theft and Windstorm and Limited Specified Causes of Loss Coverages CA Rental Reimbursement Coverage CA Stated Amount Insurance CA Tapes, Records, and Discs Coverage CA Employees as Insureds CA Social Service Agencies Volunteers as Insureds CA Garagekeepers Coverage CA Exclusion or Excess Coverage Hazards Otherwise Insured CA Loss Payable Clause CA Employee as Lessor CA Pollution Liability Broadened Coverage for Covered Autos CA Garagekeepers Coverage Customers Sound Receiving Equipment CA Audio, Visual and Data Electronic Equipment Coverage Added Limits CA Loss Payable Clause Audio, Visual and Data Electronic Equipment Coverage Added Limits CA Uninsured Motorists Coverage Endorsements Chapter 9: The Auto Dealers Coverage Form Introduction Auto Dealers Declarations Chapter 10: Covered Auto Designations Coverage Symbols Symbol Symbol Symbol Symbol Symbol Symbol Symbol Symbol Symbol Symbol Symbol Owned Autos Acquired after Policy Inception Certain Trailers and Temporary Substitute Autos xi

4 Chapter 11: Covered Autos Liability Coverage Covered Autos Liability Coverage Persons Insured for Covered Autos Coverage Extensions Exclusions Care, Custody or Control of Property Exclusion Pollution Exclusion Leased Autos Exclusion Defective Products Exclusion Work You Performed Exclusion Impaired Property Exclusion Products Recall Exclusion Acts, Errors or Omissions Exclusion Limit of Insurance Covered Autos Liability Chapter 12: Garagekeepers Coverage Garagekeepers Declarations Covered Autos Insuring Agreement Causes of Loss Defense Insureds Coverage Extensions Exclusions Limit of Insurance and Deductibles Coverage Options Chapter 13: Physical Damage Coverage Symbols Coverage Coverage Extension Loss of Use Expenses Exclusions Limits of Insurance Reporting Requirements Nonreporting Provision Deductible Chapter 14: General Liability Coverages Bodily Injury and Property Damage Coverages Bodily Injury and Property Damage Exclusions Contractual Liability Employee Indemnification and Employers Liability Damage to Property xii

5 Pollution and Cleanup Costs Aircraft, Auto, or Watercraft Defective Products Work You Performed Products Recall Liquor Liability Personal and Advertising Injury Locations and Operations Medical Payments Who Is an Insured Supplementary Payments Limits of Insurance Chapter 15: Acts, Errors, or Omissions Liability Coverages CA Section III Coverage Exclusions Who Is an Insured Other Provisions Court Cases Intentional Act Exclusion Precludes Coverage Title E&O Liability Coverage Falls Short of the Mark Selling Too Many Autos to One Person Conclusion Chapter 16: Auto Dealers Coverage Form Conditions Loss Conditions Appraisal for Physical Damage Loss Duties in the Event of Accident, Claim, Offense, Suit, Loss or Acts, Errors, or Omissions Legal Action against Us Loss Payment Physical Damage Coverages Transfer of Rights of Recovery against Others to Us General Conditions Bankruptcy Concealment, Misrepresentation, or Fraud Liberalization No Benefit to Bailee Physical Damage Coverages Other Insurance Premium Audit Policy Period, Coverage Territory Two or More Coverage Forms or Policies Issued by Us Chapter 17: Definitions Words and Terms Defined xiii

6 Chapter 18: Endorsements to the Auto Dealers Coverage Forms Dollar Deductible for Work You Performed Does Not Apply CA Additional Insured General Liability Coverages Lessor of Leased Equipment CA Additional Insured General Liability Coverages Grantor of Franchise CA Broad Form Products Coverage CA Dealers Driveway Collision Coverage CA False Pretense Coverage CA Fire, Fire and Theft and Limited Specified Causes of Loss Coverage for Dealers CA Locations and Operations Not Covered CA Additional Insured General Liability Coverages Owners of Leased or Rented Land or Premises CA Named Driver Collision Coverage CA Full Covered Autos Liability Limit for Customers CA Auto Dealers Coverage Form General Liability Coverages Total Pollution Exclusion CA Abuse or Molestation Exclusion for General Liability Coverages CA Additional Insured General Liability Coverages Concessionaires Trading under Your Name CA Fungi or Bacteria Exclusion General Liability Coverages CA Limited Fungi or Bacteria Coverage for General Liability Coverage CA Silica or Silica Related Dust Exclusion for General Liability Coverages CA Employee Benefits Liability Coverage CA Limited Product Withdrawal Expense Endorsement CA Exclusion Damage to Rented Premises CA Exclusion Designated Products CA Exclusion Locations and Operations Medical Payments CA Exclusion Personal and Advertising Injury Liability Coverage CA Exclusion Products and Work You Performed CA Exclusion Designated Work You Performed CA Amendment of Limits of Insurance General Liability Coverages CA xiv

7 Designated Location(s) General Liability Aggregate Limit for Certain General Liability Coverages CA Changes to the Bankruptcy or Insolvency Exclusion for Acts, Errors or Omissions Liability Coverages CA Exclusion Acts, Errors or Omissions Liability Coverages CA Exclusion of Specified Acts, Errors or Omissions Liability Coverages CA Customer Complaint Legal Defense Coverage CA Extended Reporting Period Endorsement for Employee Benefits Liability Coverage CA Pollution Liability Broadened Coverage for Covered Autos Auto Dealers Coverage Form CA Chapter 19: Issues in Commercial Auto Insurance Any Auto Coverage Suspension Use of an Auto Care, Custody, or Control Betterment Collision Auto Dealers Errors or Omissions Coverage Negligent Maintenance of Autos Leading to Injuries Nonownership Coverage Hired or Borrowed Autos Coverage Nonownership Liability Insurance Who Is an Insured for Nonownership Coverage? Nonownership Property Damage Coverage Drive Other Car Coverage Drive Other Car Coverage Broadened Coverage for Named Individuals CA Individual Named Insured CA Auto Leasing & Rental Coverage Lessor Additional Insured and Loss Payee CA Contingent Liability Coverage CA Conversion, Embezzlement, or Secretion Coverage CA Excluding Autos under Lease CA Rent-It-There/Leave-It Here Autos CA Second Level Coverage CA Autos Leased with Drivers Physical Damage Coverage CA xv

8 Auto Loan/Lease Gap Coverage CA Hired Autos Specified as Covered Auto You Own CA Rental Reimbursement Coverage CA Employee as Lessor CA False Pretense Insurance (Trick and Device Exclusion) Appendix A: Coverage Forms Appendix B: Declarations Appendix C: BAP Endorsements Appendix D: Auto Dealers Endorsements Appendix E: Commercial Auto Coverage Checklist xvi