Frequently Asked Questions
Insurance Questions, Answered
Clear, practical answers to common coverage questions. If something is specific to your firm, we can review it together.
Are there common exclusions in a BOP?
Yes. BOPs are standardized packages and may not address certain exposures, including professional services, pollution, or specific operational risks. Exclusions vary by carrier and policy structure. We review these before making any recommendation.
Does my GL policy cover vehicle-related incidents?
Standard GL policies generally exclude automobile liability. Commercial auto is intended to address claims arising from vehicle-related incidents. How the two policies interact depends on how your overall program is structured.
What is the difference between hired and non-owned auto?
Hired auto applies to vehicles rented or hired for business use. Non-owned auto applies to employee-owned vehicles used for business purposes. Both are separate from owned vehicle coverage and may represent exposures not addressed under standard policies.
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