Question 94

Bodily Injury coverage under the Business Auto Coverage Form includes injury to a pedestrian that the insured truck backs into.

Bodily Injury coverage under the Business Auto Coverage Form specifically includes injuries caused to third parties by the insured vehicle. This means that if a pedestrian is injured when the insured truck backs into them, this situation would be covered under the policy.

A) To an employee injured while at work for the insured

This option is incorrect because injuries to employees while they are at work are typically covered under workers' compensation insurance, not under the Business Auto Coverage Form. This form is designed to cover third-party injuries, not those sustained by employees.

B) From the intentional discharge of pollutants from the insured vehicle

This option is also incorrect as the Business Auto Coverage Form does not cover injuries or damages that arise from intentional acts, such as the intentional discharge of pollutants. Such scenarios typically fall under environmental liability coverage instead.

C) To a pedestrian that the insured truck backs into

This option is correct because the Business Auto Coverage Form provides coverage for bodily injury to third parties, which includes pedestrians. If a truck owned by the insured backs into a pedestrian, this injury would be covered under the policy.

D) Arising out of the operation of a fork lift

This choice is incorrect as the operation of a forklift is generally not covered under the Business Auto Coverage Form unless the vehicle is specifically classified as an auto under the policy. Forklifts typically fall under different types of liability coverage due to their unique operational context.

Conclusion

In summary, option C is definitively the correct answer as it directly relates to the coverage provided by the Business Auto Coverage Form for bodily injuries caused to third parties. All other options either pertain to situations not covered by this form or relate to employees, intentional acts, or different vehicles not classified as autos.