Category Archives: Auto Dealer

The Comprehensive Guide to the 2013 Auto Dealer’s Coverage Form: “Acts, Errors or Omissions” Coverage for Violations of Federal and State Consumer Protection Statutes Affecting the Auto Dealer’s F&I Department Operations.


By Greg Johnson. In 2013, Insurance Services Office (“ISO”) rolled out its new Auto Dealers Coverage Form (CA 00 25) (“ADCF” policy) The ADCF policy replaces the Garage Liability (“GL”) policy which had been available for decades and retains the … Continue reading

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Reducing Defense Costs: “High-Low Coverage Agreements”


I was dusting off some old seminar materials and ran across an article I had written back in 1995 regarding the use of high-low coverage agreements.  In light of the economy and insurer’s efforts to save costs, the article is perhaps even … Continue reading

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Employee Dishonest Acts Not Covered by Fidelity Bond


A federal district court in Wisconsin recently ruled that losses a mortgage lender incurred as a result of having to repurchase loans that were issued through the dishonest acts of an employee and went into default were not covered by … Continue reading

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Minnesota Coverage Law: Criminal Acts Exclusion


In Progressive Northern Ins. Co. v. McDonough, ___ F3rd____ (8th Cir. 2010) (applying Minnesota law), the Eighth Circuit Court of Appeals recently interpreted a criminal acts exclusion in an auto policy to bar coverage.  After a night of drinking, Morelli … Continue reading

Posted in Auto Dealer, BAP, CGL, Coverage, Duty to Defend, Duty to Indemnify | Tagged , , , , | Leave a comment