Question

Exclusions under the liability section of the business auto policy include________.

1) Employee injuries-covered under worker compensation
2) Liability for pollution, except from the normal operating fluids of the vehicle
3) Liability arising from mobile equipment
4) All of the above are excluded

Answer 1

Under the business auto policy, exclusions in the liability section include employee injuries (covered by workman's compensation insurance), liability for pollution (except from normal vehicle fluids), and liability arising from use of mobile equipment. All the listed options are correct.

Step-by-step explanation:

Exclusions under the liability section of a business auto policy typically cover scenarios that are otherwise covered by specific, more appropriate policies, or situations that present particular risks that the policy is not designed to cover. One example would be employee injuries, which are typically covered under workman's compensation insurance. Employers are legally obligated to contribute a portion of employee salaries to state-run funds that provide benefits to employees who sustain injuries while on the job. Furthermore, liability for pollution, barring that resulting from the normal operating fluids of a vehicle, is also excluded because pollution risks require specialized coverage. Lastly, liability arising from mobile equipment is excluded since such equipment is usually insured under different coverage that's more tailored to the specific risks involved.

Therefore, when considering the options provided:

1. 
   
3. Employee injuries - covered under workman's compensation
4. 
   
6. Liability for pollution, except from the normal operating fluids of the vehicle
7. 
   
9. Liability arising from mobile equipment

All the above are indeed exclusions found under the liability section of the business auto policy.