1. I don't agree that 'vehicle' insurance covers ANYTHING that arises due to the vehicle or its use. 'Vehicle' insurance covers things when used as a 'vehicle'... Driving accidents. Even if you have 'vehicle' insurance on a bucket truck, you would need 'liability AND worker's compensation' insurances to cover any personal and property from the use of the 'bucket.' I believe that you could use a bucket truck without 'vehicle' insurance if you had 'liability' insurance on PRIVATE property and be covered adequately. But, you would NOT be covered driving the truck from place to place. Similarly, if you only had 'vehicle' insurance, you may be covered (if you do omit the fact that you are driving a bucket truck) for accidents while driving as a vehicle, but not covered for the use of the bucket.
2. If you have employees use their personal vehicle for business use, THEIR protection comes from THEIR policy coverage and is meant for their protection. If YOU, as their employer, want to be covered, you need to add 'non-owned vehicle' coverage to your liability insurance. That is what covers YOU in the event the employee causes a loss while using their personal vehicle for your business. Just my 2 cents...from a non-insurance agent. :) On 11/17/06 5:31 PM, "Tom DeReggi" <[EMAIL PROTECTED]> 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. 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" <email@example.com> > 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" <firstname.lastname@example.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: email@example.com >> >> Subscribe/Unsubscribe: >> http://lists.wispa.org/mailman/listinfo/wireless >> >> Archives: http://lists.wispa.org/pipermail/wireless/ -- WISPA Wireless List: firstname.lastname@example.org Subscribe/Unsubscribe: http://lists.wispa.org/mailman/listinfo/wireless Archives: http://lists.wispa.org/pipermail/wireless/