We seem to have a never-ending quest to overcomplicate what should be simple in the relationships of love. Can it be any less in the relationships of insurance?

Consider the relationship complexities that are revealed in the following e-mail received from a faithful agent reader (edited for brevity):

The business is a corporation. As part of its operation, it has a number of pickups, trucks and trailers insured on its Commercial Auto (CA) policy. The owners have a bid to purchase another semi and trailer, and are looking at purchasing and titling it in the name of a newly formed limited liability company (LLC), rather than in the corporation's name. Furthermore, as the existing vehicles are replaced in the future, they would likely be purchased and titled in the newly formed LLC's name. The new LLC would consist of two of the three current owners of the corporation. The LLC would have no employees, and the sole operation would be to lease the vehicles back to the corporation only. Based on this information, the insurance company currently insuring this risk stated that it would add the new LLC as an additional insured and loss payee to protect the carrier's interest. This for sure would be done on the Commercial Auto, and I was also thinking we should do the same on the General Liability (GL) policy.