CAR Garage Policy Form
CAR Garage Policy Form QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 I have a client that has a DLN plate but most of his revenue is derived from repairs. Since he works on heavy and x-tra heavy trucks, it would go to CAR. Does…
New CAR Rules
New CAR Rules QUESTION This question was answered based upon current rules, regulations & statutes in effect on April 08, 2019 This week two agents under me received declinations for quotes on C.A.R. policies. One was for a business based in Natick but the principals split time between Rhode Island and Florida. I was under…
BAP
BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can the daughter of the owner of a Massachusetts commercial Lines Auto policy use his vehicle that is insured under the corporation while he is on vacation for the month?
Workers’ Compensation
Workers’ Compensation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 We have a Massachusetts client that delivers lumber and building materials to customers in the State of RI. The client has a MA Workers Compensation Policy. The employees all reside in MA and work from…
Backhoe Registration
Backhoe Registration QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 08, 2018 I have a customer inquiring on how to get a backhoe on the road. What kind of plate would it need and would it go on a comm’l auto policy? Let me know.
Employee Use of Personal Vehicle
Employee Use of Personal Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 27, 2018 I was hoping you could assist with a question from one of my health center clients. The health center is asking one of their employees (with a personal auto policy) to drive…
Garaging on BAP
Garaging on BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 28, 2018 I have a client who has two Auto policies…A Massachusetts Automobile policy and an Out of State Automobile policy. Their home office is in Hudson, NH (They moved from Dracut, MA two years ago)…
Truck-Tractor Cost New
Truck-Tractor Cost New QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 07, 2019 When we add a large truck-tractor to a commercial auto policy should the federal excise tax amount be included in the cost new of the vehicle? this tax can be thousands of dollars. Thank…
Mobile Equipment – Physical Damage
Mobile Equipment – Physical Damage QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 10, 2019 Is it better to put the physical damage for a registered piece of mobile equipment on an inland marine or an auto policy?
Waiver on BAP
Waiver on BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I have a contractor that needs waiver of insurance for his commercial auto policy. The ceded carrier does not offer this endorsement. Only on the voluntary side under the policy enhancrments. What do I…
DOC on a BAP
DOC on a BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 03, 2018 Seeking clarification on Drive Other Car Coverage on the Business Auto policy. Two different situations: 1. If adding DOC to a business policy, can he be deferred on his wife’s personal policy? Or…
Temporary Auto and Coverage
Temporary Auto and Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 13, 2018 Happy Holidays! I need your brain!!! Our above insured who is a trucker who owns his cab but not his trailer rolled his truck. He has been renting a truck from a sand…
Fuel Oil Dealer’s FR Requirements in MA
Fuel Oil Dealer’s FR Requirements in MA QUESTION This question was answered based upon current rules, regulations & statutes in effect on December 10, 2018 Hi Irene, I’m happy you are still working! I figured I would end up speaking with you since you are the “go to” person in MA for insurance!!! We are…
Plate vs. Policy Type
Plate vs. Policy Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2017 Good Morning Irene, Sorry to bother you, but I have a question being posed by an insured and I’m not sure of the answer. I’ve been scouring over my MAIA charts & asking…
Farm Plate and Policy Type
Farm Plate and Policy Type QUESTION This question was answered based upon current rules, regulations & statutes in effect on September 27, 2017 I have a client who has a 1976 pick-up that he is restoring and would use on premises. He does not have a business, employees or payroll so I would imagine no…
Registration for Comprehensive Only Policy
Registration for Comprehensive Only Policy QUESTION This question was answered based upon current rules, regulations & statutes in effect on July 25, 2017 Wondering if you have ever heard of the registry saying ok to someone keeping his mass license plate on a classic car and having comp only? One of our customers called Hagerty…
Non-Owned and Hired Coverage and Trailer Question
Non-Owned and Hired Coverage and Trailer Question QUESTION Can you assist my colleague with a trailer question? He insures a commercial account in the Seaport that manufactures drones. The company plans on buying a 2000 lb. trailer so they may transport drones to a location in western MA. They will likely rent private passenger type…