Motorized Land Toys – Ho Coverages, Gaps & Endorsements

Battery-operated kid cars, ATVs, golf carts, motorized scooters, and snowmobiles - what do these all have in common? Our insureds assume their HO policy will cover these toys for property and liability exposures. What coverage, or lack thereof, is found under the unendorsed ISO HO? Where can we find coverage for these toys? Is the HO policy the only option? This course will explore these mysteries of coverage and sensible solutions.