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the commercial auto policy can be written as a monoline policy or included in the commercial auto coverage part. Business auto physical damage form covers the insured owned or hired business autos for physical damage only. We
the business auto coverage forms used winter private passenger in commercial and exposures of all businesses other than garages, truckers and motor carriers. Because the specialized nature of these businesses and their unique coverage need separate forums were designed to cover these risks. The business auto coverage form includes liability coverage, and physical damage coverage. Uninsured motorist, medical payments and uninsured motorist coverage can be added by endorsement. The definitions of the auto business coverage for in the phone in certain key terms used in the policy these terms of clarify the intent of various coverages and conditions as you'll see as you progress through this unit, and I was a land motor vehicle, trailer semitrailer designed for travel on public roads generally does not include mobile equipment. An exception is made under the policies liability coverage with mobile equipment has been told or carried by a covered auto. This provision fills an insurance, because the commercial general liability policy excludes coverage for mobile equipment. While it is being transported by an out of is owned or operated by an insured exposures arising out of medical equipment are covered under commercial general liability insurance. Bodily injury means bodily injury, sickness or disease including death resulting from any of these property damage means damage to or loss of use of tangible property covered pollution cost or expense means cost rising out of anystatutory or regulatory requirements for any order by government authority demanding that the insured test four, monitor, cleanup, remove, contain, treat, the or neutralize, or respond to or assess the effects of pollutants. He does not include the costs arising out of escape of pollutants that are in property being transported or told by handled into, on to or from the covered auto or otherwise in the course of transit by the insured or being stored disposed of, treated were processed in four on the covered auto. Also excluded are pollutants released for the property is moved to the place where they are accepted for the insured for moving into the covered auto and after the pollutants are delivered by the insured. This exclusion does not apply to fuels, lubricants exhaust gases, or other pollutants necessary for or resulting from the normal operation of a covered auto or its auto-parts. Diminutive of value is an actual or perceived loss in resale or market value that results from a direct accident or loss, pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke, vapor, suit, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. liability coverage in the business auto coverage forms similar to that provided by the personal auto policy the policy agrees to pay all sums uninsured legally must pay as damages because of bodily injury or property damage which the insurance applies caused by an accident and resulting from the ownership, maintenance or use of a covered auto. Coverage for defense costs and supplementary payments is also included. The insurer also agrees to pay all sums uninsured legally must pay as a covert pollution cost or expense to which the policy applies. The pollution cost must be caused by an accident and results in the ownership, maintenance or use of covert autos insurer will only pay for covert pollution cost if there is bodily injury or property damage caused by the same accident coverage for liability for pollution cleanup costs is also included under specific conditions
business auto liability coverage contains many of the same exclusions personal auto liability coverage and some unique exclusions as well including liability
for expected or intended injuries, assumed under contract or agreement, for work-related injuries to employees including those covered under worker's compensation and related laws and injuries caused with employee by another employee, for damage to property owned by, transported by or in the care, custody or control of the insured, for damage arising out of the movement of property by a mechanical device for bodily injury or property damage arising out of the operation of self-propelled vehicles with attached cherry pickers that are used to raise or lower workers, or which have permanently attached equipment such as air compressors punts and generators, for completed operations, for pollution damage except as specifically provided in policy, assumed under contract for war or warlike acts, for covered autos while being used or while practicing or preparing for organized professional racing demolition or stunt activities
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