states, the insurance covers ANYTHING that arises due to the vehicle or
its use
Insightful, I did not know that. And under that situation, Its logical that
business liability coverage would cover anything above what the
auto-insurance did not.
But the real question here is not whether the Auto-Insurance will cover the
bucket.
Its wether the Primary Business Liabilty insurance will cover the insodent
as primary coverage, IF there is no auto-coverage for the Bucket, for
example if it was not disclosed and made invalid. Meaning, why buy
duplicate coverage, if Business Liability Coverage would cover it, and it
would be unwise to not have business liabilty, as every property owner
requires it to be there before doing work.
as most personal lines policies do not cover any type of business use,
Please clarify. There are a lot of employees that are required to use their
own vehichles for work and employer does not provide one. For example, Pizza
delivery. Are you saying they are not covered? I find that hard to believe.
I'd understand that if a business used a personal policy for its vehicles
and then let employees drive it, that it likely may not be covered. But I
thought for sure that if I had my own vehichle at work, I could drive it
myself for work. There are many people who share their vehicle for part work
and part personel. ITs not viable to have two policies on the same vehichle,
and not always viable to have two vehichles.
Tom DeReggi
RapidDSL & Wireless, Inc
IntAirNet- Fixed Wireless Broadband
----- Original Message -----
From: "Tim Wolfe" <[EMAIL PROTECTED]>
To: "WISPA General List" <wireless@wispa.org>
Sent: Thursday, November 16, 2006 9:30 PM
Subject: Re: [WISPA] Insurance for use of bucket truck or lift for installs.
Tom DeReggi wrote:
Excellent point Travis. It would be covered under business liabilty
insurance and/or workman's comp.
Auto insurance is meant to cover the driver or other guy that got hurt in
a driving accident.
Never once heard of a bucket contributing to a driving accident with
another vehichle.
Unless of course you were driving down the road and forgot to lower the
boom before driving away :-)
Your business liabilty insurance is also more appropriate for this, as
you classify what type of business you are in. Using it as a "lineman",
"home construction", or "Computer Networking" can be considered and has
required provisions for defining that in the agreement.
Tom DeReggi
RapidDSL & Wireless, Inc
IntAirNet- Fixed Wireless Broadband
----- Original Message ----- From: "Travis Johnson" <[EMAIL PROTECTED]>
To: "WISPA General List" <wireless@wispa.org>
Sent: Thursday, November 16, 2006 6:03 PM
Subject: Re: [WISPA] Insurance for use of bucket truck or lift for
installs.
Tom, Wrong answer about the business liability insurance :-) . In most
states, the insurance covers ANYTHING that arises due to the vehicle or
its use. For instance, in PA, if You close the van door on Your hand(even
if the vehicle is parked and not moving) and break it, Your auto insurance
has to pay the medical bills. If the operator of the bucket truck sends it
through the roof of the house they are working on, then the property
damage coverage of Your auto policy(primary) kicks in and pays for the
roof. There is a chance that Your business insurance(GL or general
liability) policy would cover You on a secondary basis if the coverage on
the auto policy was not enough and You were sued for the
difference?(Varies by state). The legal term for this is called the
"proximate" cause of the accident or problem, and since the bucket was
attached to the van, the auto policy will cover it. This is why Your
insurance CO is pitching a fit about the bucket. Here is some more
insurance trivia that all of You should be aware of, as I for one hate
surprises. Did You know that if at the end of Your employees shift, You
ask that person to drop off a check, contract, pick up a part at radio
shack etc. and they are involved in an accident, You are going to be sued
right along with Your employee and their (employee's)private auto insurer
will more than likely deny the claim, as most personal lines policies do
not cover any type of business use, period. The idea here is that the
accident in question would have never occured if You had not asked the
employee to run an errand for You. We also have some of us business owners
that do not own any private vehicles. If everything You own is insured
commercially?, Do Not EVER rent a vehicle unless Your Business auto policy
has "drive other car coverage", because if it doesn't?, You will be paying
the bill for the accident, as most commercial auto policies only cover the
vehicles listed on it, and if it 'aint there?, It 'aint covered. :-(
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