Recently, Insurance Services Office (ISO) Form CG 00 01 12 04,
which contains standardized insurance policy language many insurers
include in their policies, has undergone significant changes to its
commercial general liability (CGL) definitions of "mobile
equipment" and "auto." Because these changes could have negative
implications for your company if you don't have CGL and
commercial auto coverage with a single carrier, you should consider
reviewing your CGL policy to see whether it contains ISO Form CG 00
01 12 04.
ISO's CGL definition of mobile equipment now includes a
paragraph stating the term "mobile equipment" no longer applies to
vehicles that are subject to compulsory or financial responsibility
laws or other motor vehicle insurance laws. For roofing
contractors, mobile equipment might include extensible boom lifts
and fork lifts. (However, job-site operation of such equipment
would be covered by your CGL policy for bodily injury and
Before this change was made, the distinction between autos
(vehicles designed for travel on public roads) and mobile equipment
(vehicles principally designed for use off public roads) sometimes
fell into a gray area of coverage. Now, mobile equipment could fall
under the auto definition if that equipment is subject to a
compulsory or financial...
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