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Mutual insurers are owned by policyholders, and profits are returned as dividends or premium reductions. They operate under the same regulations as stock insurers and can write liability coverage. Their cooperative structure can align insurer and policyholder interests, fostering long-term stability.

Employment Practices Liability Insurance (EPLI) covers employee claims such as wrongful termination, discrimination, and harassment. Product liability is covered under CGL, shareholder suits under DandO, and advertising injury under CGL Coverage B. EPLI addresses growing workplace-related litigation risks.

Auto liability premiums for trucking companies depend heavily on vehicle weight, distance of operations, driver records, and cargo type. These factors directly affect exposure to accidents. Office size, executive age, and ownership structure are irrelevant.

Symbol 9 provides liability coverage for non-owned autos, such as employee-owned vehicles used for business purposes. It does not cover autos owned by the business (Symbol 2 or 7) or hired autos (Symbol 8). This protects businesses from liability when employees use personal cars for company errands.

Coverage B (personal and advertising injury) includes offenses like libel, slander, copyright infringement in ads, wrongful eviction, and false arrest. Bodily injury and property damage are under Coverage A, while employee injuries are under workers comp. This separation ensures liability coverages address distinct categories of risk.