Business Auto Policy and Out of State Loss

Our insured has a business auto policy (BAP) with symbols 7, 8, and 9 for covered auto liability. The insured rented a vehicle in Florida, drove it to New Jersey , and caused an accident resulting in property damage to another vehicle. The rental contract the insured signed stipulated that the insured was prohibited from driving the vehicle out of the state of Florida . We are trying to determine whether liability coverage can still be afforded to the insured. What is your opinion?

Florida Subscriber

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