Physical Damage Coverage — Temporary Substitute Vehicles Q We have a claim in which the insured rented a temporary substitute vehicle while…

Drive Other Car Coverage Subject to a Deductible? Our insured has a business auto policy with endorsement CA 99 10, drive other car coverage, attached.…

Care, Custody, or Control Exclusion Prevents Coverage for Trailer Damage Our insured was using a nonowned trailer. His employee dropped the trailer…

Nonowned Auto or Hired Auto Liability? Q One of our nonprofit clients let us know that they are paying mileage to members of the nonprofit for the…

Funeral Directors Liability, Auto Accidents, and Damage to Bodies Our insured is a funeral director and has his business insured under a BOP with endorsement…

Racing or Demolition Exclusion not Applicable to Emergency Vehicles Our insured is involved in a motorsports/race track program. There usually are special…

Loss of Income Coverage and Power Failure Q Our insured's policy provides loss of income coverage with a limit of $25,000 in any one "event" on loss…

Trailer Coverage under the BAP I have a question about the business auto policy. The policy declares that it covers trailers with a load capacity of…

Tire Damage Exclusion Q The business auto coverage form has an exclusion that reads 'we will not pay for loss caused by or resulting from any of the…

Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…