Commercial Casualty II
Business auto
The Business Auto Coverage Form insures liability, and optionally physical damage, for autos owned, hired, or borrowed. Covered-auto designations are the numbered symbols: 1 any auto (liability), 2 owned autos only, 7 specifically described autos, 8 hired autos only, 9 nonowned autos only. Traps: symbol 1 gives liability over any auto but physical damage only for owned or hired units; an employee running errands in a personal car is a symbol 9 exposure; the care, custody, and control exclusion bars damage to a customer auto in the insured's keeping.
Commercial umbrella
Sits above scheduled underlying policies and sometimes drops down to fill gaps in those underlying coverages, where a self-insured retention applies. It follows the form of the underlying policy but is not identical - read the definitions of insured and the exclusions. It does not drop down over workers compensation.
Workers compensation and employers liability
Part One pays statutory benefits with no dollar limit and no deductible and is the exclusive remedy for work-related injury. Part Two, employers liability, responds to suits outside the statutory system, with limits such as $100,000/$500,000/$100,000. Part Three, other states, must list states where coverage is required. Trap: partners, sole proprietors, and corporate officers are often excluded unless endorsed onto the policy.
Worked example: an employee on a delivery uses her own car and injures a pedestrian. The employer's symbol 9 nonowned auto responds, and because the use is business, the employer's coverage is generally primary over her personal auto policy.