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Resource TitleDescriptionRating
BAP and Temporary Substitutes

Within a Business Auto Policy (BAP) are rented cars covered? As in most cases, it depends.

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 Numerous situations involving autos owned by individuals or corporations arise, whereby there is an attempt (often misguided) to save money by insuring a personally owned auto on a Business Auto Policy.

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Business Auto or Workers' Compensation Claim? When an insured operates a company car after hours for personal use, and gets injured in a car accident, does workers' comp apply, or the business auto PIP coverage? What if the insured is on call 24-hours-a-day for emergencies? See what the Big "I" Virtual University faculty have to say. (Log in required.) 1 2 3 4 5
Business Auto Policy and Vicarious Liability Coverage

The business auto policy gives automatic "insured" status to those who may be legally liable for the conduct of an insured.


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Commercial Motor Vehicles 30-Day Cancellation Provision

What are the cancellation provisions for commercial automobile policies?

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Company Cars and the PAP

How do I insure a client who has a company car, but needs his own insurance to cover him when he uses the car for personal use?

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Credit Scoring Bill Summary

Effective January 1, 2004 the bill spells out how credit scores and credit reports may and may not be used by insurance companies.

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Drive Other Car Coverage If the people provided the company car do not have their own personal auto policy (PAP) a serious gap in coverage exists, but can be easily corrected by one of several ways. 1 2 3 4 5
Employee Hired Autos-Employees Are Not You and Here is Why How to include employees as insureds using ISO's Business Auto Coverage form when they rent an auto in their own name and use it for business purposes. 1 2 3 4 5
Garage Policy vs. CGL+BAP+GKLL Many companies insist on writing some auto service exposures under the CGL and BAP policies, with Garagekeepers Legal Liability attached. Other carriers use a Garage form. Is one approach better than another? The VU Faculty weighs in. (Log in required.) 1 2 3 4 5
Individual Named Insured Endorsement - CA 99 17 When a business auto policy (BAP) names an individual as named insured ISO rules 91.B. and 88.A.1 require that the Individual Named Insured (INI) endorsement be added to the policy. This article summarizes the coverage provided by the INI endorsement. 1 2 3 4 5
Leased Vehicles—Liability Limits Required What should an agent do if his client's auto leasing company only requires $300,000 combined single limit of liability coverage? 1 2 3 4 5
Leasing a Company Car to Yourself Saving money on expenses has always been something of a national pastime. These days, it often borders on an obsession. Often, prudent measures taken to make responsible purchasing decisions pay off. However, many efforts to cut costs could only be described as "penny wise and pound foolish." 1 2 3 4 5
Leasing Your Auto to Your Company There are options, but are any of them good ones? 1 2 3 4 5
MVR Sharing - A Dangerous Practice Commercial employers in the process of hiring employees who will be driving company vehicles routinely contact their insurance agent to have the drivers added to the Business Auto Policy. 1 2 3 4 5