Anytime something with wheels leads to a claim, Parker's colleagues come to Parker to find out whether the claim should fall under the CGL policy or the auto policy… or a secret third option.
Notable Timestamps
[ 00:22 ] - Mike details the above scenario.
[ 01:15 ] - An "auto" would usually be covered under Business Auto policy, whereas "mobile equipment" would typically be covered under CGL.
[ 02:20 ] - "Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public roads; . . . However, "auto" does not include "mobile equipment".
[ 03:15 ] - For the full definition of "mobile equipment", see: https://www.plrb.org/documents/gl14-mobile-equipment-defined/
[ 05:00 ] - The game begins! Is it an "auto" or a piece of "mobile equipment"? Cars are autos, while bulldozers are mobile equipment.
[ 07:10 ] - Dump trucks are considered autos.
[ 07:50 ] - What about a road grader that is used for snow removal? Recall that "self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos:" ... Equipment designed primarily for: Snow removal;" In this case, it was not designed "primarily" for snow removal.
[ 09:35 ] - Backhoes, skid steers, and combines are equipment, but a boat is neither!
[ 11:40 ] - An auto with a permanently attached tree removal device? "Mobile equipment" means... "Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted ... Power cranes, shovels, loaders, diggers or drills;"
[ 13:29 ] - A cherry picker is dual purpose: can be considered an auto or a piece of mobile equipment, depending on if the stabilizers are down and the truck is in use.
[ 16:01 ] - Mike provides a recap of the scenario and the points above.
Your PLRB Resources
Policy Annotation - GL14 – "Mobile Equipment" Defined - https://www.plrb.org/documents/gl14-mobile-equipment-defined/
Will CGL Liability Coverage Apply When the Insured Loses Control of a Bobcat at a Work Site Damaging a Parked Vehicle? 2023.07.27jrm - https://www.plrb.org/documents/will-cgl-liability-coverage-apply-when-the-insured-loses-control-of-a-bobcat-at-a-work-site-damaging-a-parked-vehicle-2023-07-27jrm/
In South Carolina, Is A Golf Cart Mobile Equipment? 2023.01.12 - https://www.plrb.org/documents/in-south-carolina-is-a-golf-cart-mobile-equipment-2023-01-12/
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The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.
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