What must the Commercial Automobile Liability Insurance policy provide regarding claims?

The Commercial Automobile Liability Insurance policy must stipulate that it is the primary insurance concerning any claims experienced by the Additional Insureds. This means that in the event of a claim, the coverage provided by this policy takes precedence over any other insurance policies that might also respond to the same claim. This is crucial for ensuring that Additional Insureds – often entities like subcontractors or clients listed on the policy – have their claims handled effectively without delay or disputes about which policy should respond first. This primary coverage is particularly important in commercial contexts where multiple parties might share liability risks. Hence, this requirement promotes clarity and ensures that adequate and timely financial protection is available for the Additional Insureds involved.