Liability for Tractor off Premises

 

We are looking for your opinion regarding liability coverage for a farm/garden tractor under a HO 03 04/91 edition if the tractor is off premises. We are getting conflicting reports from companies regarding the liability coverage if the tractor is off premises. We contend that a tractor used to service the insured's premises for snow removal or however used which is not subject to motor vehicle registration would be covered both on and off premises. We would appreciate your opinion.

New York Subscriber

Liability is provided when the insured is legally liable for injuries or damages. Motor vehicles are excluded except for those not subject to motor vehicle registration and used to service a residence premises. It does not give any indication that the vehicle must be servicing the premises at the time of loss in order for coverage to apply, nor does it state that the vehicle must be on the insured's property. Therefore, coverage applies even if the tractor is off premises.