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Customers or others on insured's premises for "business
purposes." |
Insured did not properly screen driver (negligent
hiring) |
Sells an extra tire or parts to another trucker. |
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Insureds on customers' premises. |
Contractual liability - Leases, key stop agreement,
intermodal, etc. |
Prevent
E&O losses to agent. |
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"Guard dog", any size, used to protect business
property. See 1, above. |
Bodily injury resulting from using self-defense to
protect persons or property. |
Insured
gets a call about a previous employee and fails to tell about drug
problems. |
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Loading
and unloading using a mechanical device not attached to truck or trailer
(forklift, front end loader, crane). |
Insured
gets sued because of someone else's auto accident (vicariously). |
Furnishes
free beer at the Christmas party or after a safety meeting. Employee
drives home drunk and hits a school bus. |
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Erroneous delivery of products, including liquids.
Delivery of products damaged in shipment that cause damages after
delivery. The trucker delivered the product, then left. The auto policy
does not cover P/CO claims. |
Libel and slander exposures. Writing or saying something
injurious. For coverage to apply to the person originating the comments,
the information cannot knowingly be false or in willful violation of the
law. |
Insured rents a motel room while traveling or getting
truck repaired. Goes to sleep smoking (or leaves the battery charger on)
and burns down room. Fire legal for room. Other GL for damage to motel
(this is now covered under the 1998 form) |
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Copyright 2005 by
the Independent Insurance Agents & Brokers of America, Inc. All rights
reserved.
Reprinted with permission from the IIABA Virtual University at
www.iiaba.net/vu. |
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