Tom DeReggi wrote:
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.
My dad has to have commercial coverage on his car because he is a
mailman (uses personal car for work). I asked my insurance agent if my
employee (on a non commercial policy) would be covered if I had him
drive his own car to deliver a computer to someone. He said no. If you
use your car for work (not just driving to work) even one time you are
suppose to have a commercial policy. That is the way Michigan is.
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. :-(
--
WISPA Wireless List: wireless@wispa.org
Subscribe/Unsubscribe:
http://lists.wispa.org/mailman/listinfo/wireless
Archives: http://lists.wispa.org/pipermail/wireless/
--
WISPA Wireless List: wireless@wispa.org
Subscribe/Unsubscribe:
http://lists.wispa.org/mailman/listinfo/wireless
Archives: http://lists.wispa.org/pipermail/wireless/
