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It's Chauffeured! It's A Crane! It's Excluded! Third DCA Upholds Progressive's Mobile Equipment Operations Exclusion

In People’s Trust Insurance Company v. Progressive Express Insurance Company, No. 3D19-1952 (Fla. 3d DCA Dec. 8, 2021), the Third District Court of Appeal upheld Progressive’s mobile equipment operations exclusion, concluding that there was no liability coverage for damages resulting from the operation of a crane attached to a vehicle that was licensed and registered for road use. Progressive’s policy exclusion stated that there was no liability coverage “arising out of the operation of . . . machinery or equipment that is on, attached to, or part of, a land vehicle.” Since it was undisputed that the alleged damages occurred directly as a result of the crane’s operation, the exclusion applied, and the denial of liability coverage by the trial court was affirmed. View here.

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