Recently, I posted an article discussing the Business Auto Coverage Form and some of its specific details. The article mentioned how the Business Auto Coverage Form allowed for different autos to have different coverages. These differences are noted on the policy by different auto symbols.

There are ten different auto symbols:

• Symbol 1 - Any “Auto” is covered.
• Symbol 2 - Owned “Autos” Only covers all autos you own and also liability for non-owned trailers attached to owned power units.
• Symbol 3 - Owned Private Passenger “Autos” Only covers only the private passenger autos you own or acquire ownership after the policy begins.
• Symbol 4 - Owned “Autos” Other Than Private Passenger “Autos” Only covers all the owned “autos” that are not of the private passenger type and the liability coverage for any non-owned trailers attached to owned “autos”.
• Symbol 5 - Owned “Autos” Subject to No-Fault covers only the “autos” you own that are required to have No-Fault benefits in the state where they are licensed or principally garaged.
• Symbol 6 - Owned “Autos” Subject to a Compulsory Uninsured Motorists Law covers only those “autos” you own that because of state law require you to have and cannot reject Uninsured Motorists Coverage.
• Symbol 7 - Specifically Described “Autos” covers only those “autos” mentioned in Item Three of the Declarations page on your policy.
• Symbol 8 - Hired “Autos” Only is coverage for only those “autos” you lease, hire, rent, or borrow from any of your employees, partners, or members of their households.
• Symbol 9 - Non-Owned “Autos” Only covers only those “autos” you do not own, lease, hire, rent, or borrow that are used in connection with your business. This includes “autos” owned by your employees, partners, members, or members of their households but only while used in your business or your personal affairs.
• Symbol 19- Mobile Equipment Subject to Compulsory or Financial Responsibility or Other Motor Vehicle Insurance Law Only covers only those “autos” that are land vehicles and that would qualify under the definition of “mobile equipment” under this policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged.

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