If a vehicle is a non-owned auto used in business by the name insured, which symbol would typically provide liability coverage?

If a vehicle is a non-owned auto used in business by the name insured, which symbol would typically provide liability coverage?

• A. Symbol 9
• B. Symbol 2
• C. Symbol 4
• D. Symbol 7

Answer: (A)

Understanding what the symbols in a commercial auto policy cover is key. The symbol that applies to non-owned autos used in the business is the one designed specifically for non-owned vehicles being used for business purposes by the named insured. That symbol provides liability coverage for those vehicles, even though the insured does not own them, which is exactly the scenario described. The other symbols cover different situations—owned autos (which excludes non-owned ones), or non-owned autos in contexts not tied to the business use—so they wouldn’t adequately cover a non-owned vehicle used in the business.

Understanding what the symbols in a commercial auto policy cover is key. The symbol that applies to non-owned autos used in the business is the one designed specifically for non-owned vehicles being used for business purposes by the named insured. That symbol provides liability coverage for those vehicles, even though the insured does not own them, which is exactly the scenario described. The other symbols cover different situations—owned autos (which excludes non-owned ones), or non-owned autos in contexts not tied to the business use—so they wouldn’t adequately cover a non-owned vehicle used in the business.