The insured has a Businessowners policy covering one office location listed in the “premises information” schedule. The risk is a “Trust”. They place “informational” signs along toll roads across the state of Pennsylvania on behalf of the PA Department of Transportation. Maybe you have seen these types of signs, one can see them in almost every state. As you approach an exit on a toll road, you will see blue signs that will show that there is a “McDonalds”, or a “Sheets Convenience Store”, or a “Campground” located near the exit. They are responsible for the construction of any and all new signs. They maintain all current signs. They take down any signs as needed. There are currently 1,200 signs in place. All work is subbed out. The trust is just an office in Harrisburg, PA. They have no employees, just a board of directors. The office work and the accounting work is done by “independent contractors”.
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