David owns a 1,500 lb. load capacity smoker/grill trailer in conjunction with his business, Dirty Dave’s Championship BBQ. He hauls it to various venues with his two-ton truck to compete in BBQ cookoffs and otherwise sell his world famous BBQ.

At one competition, he detaches the trailer, sets up his smoker/cooker, and fires it up. Unfortunately, a child is later severely burned by the detached grill and a claim is filed against David for his injury.

Would this claim be covered by his BAP or his CGL policy? What if 200 people got ill from tainted cole slaw he sold at this event…BAP or CGL policy? Would your answer be different if the trailer was still attached to the vehicle?

To answer these questions, you will need the following ISO policy forms:

Enter your answers in the Comments section below or email them to Bill@InsuranceCommentary.com no later than July 16, 2017. The legendary ‘G5’ will judge the submissions and the winner will receive a beautiful “RTFP!” t-shirt:


Answers must be submitted by July 16.

UPDATE: A winner has been announced. For the “answer” to this claim question and to find out who won, click here.

Photo by thermionics

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Bill Wilson

Founder at InsuranceCommentary.com
One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America. Reprint Request Information