The insured has a Businessowners policy covering one office location listed in the "premises information" schedule. The risk is a "Trust". They place "informational" signs along toll roads across the state of Pennsylvania on behalf of the PA Department of Transportation. Maybe you have seen these types of signs, one can see them in almost every state. As you approach an exit on a toll road, you will see blue signs that will show that there is a "McDonalds", or a "Sheets Convenience Store", or a "Campground" located near the exit. They are responsible for the construction of any and all new signs. They maintain all current signs. They take down any signs as needed. There are currently 1,200 signs in place. All work is subbed out. The trust is just an office in Harrisburg, PA. They have no employees, just a board of directors. The office work and the accounting work is done by "independent contractors".

The BOP policy includes endorsement BP 04 07 07 13, Additional Insured – State or Governmental Agency – Permits or Authorizations Relating to Premises. I am getting hung up on the language in the endorsement which states, "premises the named insured owns, rents or controls AND to which the insurance applies". I would think that the 1,200 sign locations would be considered a "premises the named insured controls". My issue is that the current BOP policy does not "list/or schedule" any of the 1,200 sign locations. It only "list/schedules" the office location. Does this endorsement "automatically" extend the liability coverage under the BOP to include the 1,200 sign locations?

Given the info above, is there liability coverage under the BOP for the "Named Insured" at these 1,200 locations? Would these locations be considered "named insured operations" and therefore be covered under Section II, Liability Coverage, despite the fact the 1,200 locations are not "scheduled" on the policy?