Our insured sells sports collectibles and memorabilia, and has a commercial package policy providing property and liability coverage for his store. He planned to sell his merchandise at the Super Bowl.

When he arrived at the stadium, his truck loaded with merchandise, he was told he could not set up his booth until the next day. He checked into a motel, and parked the truck in the motel parking lot. Sometime during the night the truck was broken into, and his property stolen.

The policy has a “personal property at other locations” extension, wherein coverage is given for personal property that is at any premises more than 1000 feet from the described premises. Coverage is excluded while the property is “in the course of transportation.” There is coverage for “personal property in transit,” but with a substantially lower limit.