WC Classification
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have an insured who operates a not-for-profit cemetery. They want to appeal the assignment of class code 9220; see the email excerpt below. I have been on the DIA website and called their general number but…
WC for Uninsured Subs
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question Do you have anything I can show the Insured regarding the Workers Comp Audit we discussed on Friday? He hired a sub to do about $20K in work last year; the sub is also a carpenter and…
GL Certificates
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Looking to see if you can assist. Question about issuing GL certificates. I have an insured who is a roofer/carpenter. His GL policy excludes snow removal…he has requested that we send a certificate to a vendor for…
Named Non-Owner
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question Hi there…are these 100% earned, short rate, or carrier specific? Thank you! Answer Irene Morrill: The CAR manual and the AIB manual discuss “short rate cancellation” of auto policies unless the insured requests cancellation within 30 days…
Maine Registered Trailers
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question Can you tell me the scoop on businesses registering their trailers in Maine when we have the trucks registered and insured in Massachusetts? This is coming up more often than I like to see. When they register…
WC Cert and 30-Day Notice to Cancel
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I have an insured who has a client requesting to be listed on the insured’s Workers Comp Certificate of Insurance and requested the certificate include a 30-day Notice of Cancellation to the 3rd party. I have not…
Trailers and Commercial Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question I wanted to check with you regarding trailers being pulled with a commercial vehicle. I have been under the understanding that if a trailer is being pulled with a commercial vehicle, it should be listed on that…
Non-Profit and Liability for Employee’s Auto
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question My question is this – if a non-profit corporation carries symbols 7 & 8 on an MA Auto coverage form, will liability coverage respond to an accident in a vehicle rented by an employee or volunteer for…
Motorhome Owned by a Business
*This question was answered based on current rules, regulations & statutes in effect as of June 2023. Question I received a voicemail from a member. She had a business customer who purchased a $600K RV in the name of the business. The owner of the business plans on “Living” in the RV. The commercial carrier…
Food Concession Trailer
*This question was answered based on current rules, regulations & statutes in effect as of May 2023. Question I have a prospect that owns a food trailer and is looking for GL and WC – The vehicle that will be pulling the trailer is registered to a different business entity with separate insurance. They haven’t…
Business Auto and DOC
*This question was answered based on current rules, regulations & statutes in effect as of January 2023. Question Does a business auto policy have to have doc coverage if employees driving company vehicles are also listed as drivers on their spouse’s personal auto policies? Answer Irene Morrill: A DOC is an optional endorsement that a…
Commercial Policy and Personal Trailer
*This question was answered based on current rules, regulations & statutes in effect in December 2022. Question I have an insured with a Mass Commercial auto policy in a corporation name. The insured also owns a camping trailer in his personal name. Will the Commercial auto pick up the liability of the camper when pulled…
Individual Transports Vehicle to Florida and Coverage
*This question was answered based on current rules, regulations & statutes in effect in December 2022. Question We have an insured that will be driving other people’s autos to Florida for a fee, trying to figure out if he needs some kind of insurance. He does not have a business name or EIN#. Answer Irene…
Pain and Suffering Worker’s Comp
Question Workers Compensation: This question was answered based upon current rules, regulations & statutes in effect May, 2022: We need clarification on whether or not “pain and suffering” is afforded under a work comp policy here in MA. Can you advise? Answer Irene Morrill: The ACORD certificate states: Part I benefits are state mandated …lost wages, medical,…
Principle Place of Business
Question Principle Place of Business: This question was answered based upon current rules, regulations & statutes in effect on January, 2021: I have a question on a Maine registered vehicle. I have a commercial insured (Massachusetts business) that has reregistered one of his commercial trucks in Maine that was previously registered in Massachusetts. My Massachusetts auto carrier…
Adding and Removing Vehicles
Question Adding/Removing Vehicle This question was answered based upon current rules, regulations & statutes in effect on December 6, 2021: Agent: Quick question – this is the first time in almost a decade I ran into this situation so I’m trying to figure this out. We have a composite rated policy with Symbol 1 – at renewal…
Commercial Auto Ceded Carrier Quote
Question This question was answered based upon current rules, regulations & statutes in effect on June, 2022: Commercial Auto Ceded Carrier Quote: Good afternoon. I understand a ceded carrier needs to have signed & completed Acord forms and all the supplemental forms to bind a ceded quote. But do they need to be completed and…
Hired/Non-Owned Auto Coverage
Question This question was answered based upon current rules, regulations & statutes in effect on June, 2022: Hired/Non-Owned Auto Coverage: Please clarify for us where an insured is covered under their Non Owned and Hired auto policy for BI or PD caused by a subcontractor? Answer Irene Morrill If the coverage is purchased through a BAP…