I am an insurance regulator in Vermont, and am hoping for some underwriting clarification on a Commercial Auto policy, and I appreciate any kind of input provided.

A claim's adjuster is using the ISO CA Business Auto policy language under Part V. Definitions, Section K. 'Mobile Equipment , part 6a (page 12), to state that while the listed pickup truck is covered for physical damage as a covered auto, the snowplow blade that is attached is not covered for physical damage because it is not permanently attached.

My understanding of that section of the policy is that it's meant to define which types of 'land vehicles' can be considered 'mobile equipment' and which ones cannot and must be listed as a covered auto. The specific reference in subsection 6a to 'permanently attached' equipment designed primarily for Snow Removal seems only meant to further clarify that a land vehicle with a permanently attached snowplow blade cannot qualify as 'mobile equipment'. I do not interpret that section as a disqualification to cover any or all detachable snow removal equipment that are used with covered autos.