12.1 Business Auto Coverage Form and Covered Auto Symbols

Alaska Property & Casualty Insurance State

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1 Standalone Coverage Map

Standalone Coverage Map

2 Introduction: Alaska Property & Casualty Insurance Exam Overview

Alaska Property & Casualty Exam Overview

3 National Portion: Insurance Fundamentals

1.1 Risk, Hazards, Perils, and the Law of Large Numbers 1.2 Insurable Interest, Indemnity, and Other Insurance Principles 1.3 Insurance Contract Law and Elements 1.4 Policy Structure: Declarations, Insuring Agreement, Conditions, Exclusions 1.5 Parties, Agents vs. Brokers, and Authority

4 National Portion: Property Insurance Concepts

2.1 Causes of Loss / Named-Peril vs. Open-Peril 2.2 Valuation: ACV, Replacement Cost, and Functional Value 2.3 Coinsurance and the Coinsurance Formula 2.4 Deductibles, Limits, and Loss Settlement 2.5 Common Property Policy Conditions and Clauses

5 National Portion: Dwelling Policies (DP)

3.1 Dwelling Policy Forms DP-1, DP-2, DP-3 3.2 Dwelling Coverages A-E and Other Coverages 3.3 Dwelling Perils, Conditions, and Endorsements 3.4 Mobile Home and Specialized Dwelling Coverage

6 National Portion: Homeowners Policies - Forms & Section I

Homeowners Forms HO-2 through HO-8 and Eligibility Section I Coverages A-D and Additional Coverages Section I Perils Insured Against and Exclusions Replacement Cost vs. ACV and Loss Settlement in Homeowners

7 National Portion: Homeowners Policies - Section II & Endorsements

Section II Coverages E (Liability) and F (Medical Payments) Homeowners Conditions and Duties After Loss Common Homeowners Endorsements

8 National Portion: Personal Auto Policy - Liability & Injury

6.1 Personal Auto Policy Structure and Eligibility 6.2 Part A Liability and Supplementary Payments 6.3 Part B Medical Payments 6.4 Part C Uninsured/Underinsured Motorists

9 National Portion: Personal Auto Policy - Physical Damage & Duties

7.1 Part D Coverage for Damage to Your Auto 7.2 Exclusions and Part E Duties After an Accident 7.3 Part F General Provisions, Endorsements, and No-Fault Concepts

10 National Portion: Liability Insurance Concepts

8.1 Negligence, Torts, and Legal Liability 8.2 Defenses, Damages, and Vicarious Liability 8.3 Occurrence vs. Claims-Made Triggers 8.4 Bodily Injury, Property Damage, and Personal/Advertising Injury

11 National Portion: Commercial Property Insurance

9.1 Commercial Package Policy Structure and Common Policy Conditions 9.2 Building and Personal Property Coverage Form (BPP) 9.3 Causes of Loss Forms (Basic, Broad, Special) 9.4 Business Income and Extra Expense 9.5 Commercial Property Endorsements and the BOP

12 National Portion: Commercial General Liability - Coverages

10.1 CGL Coverage A: Bodily Injury and Property Damage Liability 10.2 CGL Coverage B: Personal and Advertising Injury, Coverage C: Medical Payments 10.3 Who Is an Insured and Supplementary Payments

13 National Portion: Commercial General Liability - Limits, Triggers & Exclusions

11.1 CGL Limits of Insurance and Aggregates 11.2 Occurrence vs. Claims-Made CGL and Retroactive Dates 11.3 Key CGL Exclusions and Endorsements

14 National Portion: Commercial Auto Insurance

12.1 Business Auto Coverage Form and Covered Auto Symbols 12.2 Commercial Auto Liability and Physical Damage 12.3 Motor Carrier / Trucking and MCS-90 12.4 Garage Coverage Form and Garagekeepers 12.5 Commercial Auto Endorsements

15 National Portion: Workers Compensation

13.1 Workers Compensation Statutory Background and Benefits 13.2 Part One (Workers Comp) and Part Two (Employers Liability) 13.3 Premium Basis, Experience Modification, and Classification 13.4 Other States, USL&H, and Federal Acts 13.5 Workers Comp Exclusions and Endorsements

16 National Portion: Other Commercial Lines - BOP, Crime & Marine

14.1 Businessowners Policy (BOP) in Depth 14.2 Crime and Fidelity Coverage 14.3 Inland Marine and Nationwide Marine Definition 14.4 Ocean Marine Coverages (Hull, Cargo, Freight, P&I)

17 National Portion: Other Commercial Lines - Specialty & Professional

15.1 Farm and Agricultural Coverage 15.2 Commercial Umbrella and Excess Liability 15.3 Professional Liability and Errors & Omissions 15.4 Directors & Officers and Employment Practices Liability

18 National Portion: Other Commercial Lines - Surety, Flood & Specialty

16.1 Surety and Fidelity Bonds 16.2 National Flood Insurance Program (NFIP) 16.3 Cyber, Aviation, and Other Specialty Lines

19 National Portion: Insurance Regulation & Market Conduct

17.1 State Regulation, Licensing, and the McCarran-Ferguson Act 17.2 Rates, Forms, Solvency, and Guaranty Associations 17.3 Producer Authority, Fiduciary Duty, and Company Operations

20 National Portion: Ethics & Unfair Trade Practices

18.1 Unfair Trade Practices and Unfair Claims Settlement 18.2 Producer Ethics, Errors & Omissions Exposure, and Fiduciary Conduct 18.3 Privacy, Fraud, and Consumer Protection

21 Chapter 1: Alaska P&C Insurance Regulation & Licensing

1.1 Alaska Division of Insurance 1.2 Alaska P&C Producer Licensing Requirements 1.3 Alaska Producer Duties and Responsibilities

22 Chapter 2: Alaska Property Insurance

2.1 Alaska Homeowners Insurance 2.2 Alaska Property Insurance Policy Provisions

23 Chapter 3: Alaska Auto & Casualty Insurance

3.1 Alaska Auto Insurance Requirements 3.2 Alaska Commercial Liability Insurance

24 Chapter 4: Alaska Ethics & Professional Conduct

4.1 Alaska Ethical Standards for Insurance Producers 4.2 Alaska Privacy Laws and Regulatory Compliance

12.1 Business Auto Coverage Form and Covered Auto Symbols

Key Takeaways Explain This Topic AI

The Business Auto Coverage Form (ISO CA 00 01) is the standard commercial auto policy; coverage attaches only to autos that match a designation symbol entered on the declarations.

Symbol 1 (Any Auto) is the broadest liability symbol; it reaches owned, hired, and non-owned autos and is the only symbol that automatically covers newly acquired autos with no reporting requirement.

Symbols 2, 8, and 9 are owned, hired, and non-owned categories; combining 2, 8, and 9 gives nearly the same breadth as Symbol 1 for liability.

Physical Damage cannot be written under Symbol 1; it requires Symbols 7, 8, or 2 because the insurer must know which specific autos it is paying to repair.

Symbol 7 (Specifically Described Autos) is the narrowest; only the autos listed on the schedule are covered, and additions require an endorsement or the newly-acquired-auto clause.

Last updated: June 2026

The Business Auto Coverage Form (CA 00 01)

The Business Auto Coverage Form , ISO form number CA 00 01 , is the standard policy used to insure cars, trucks, trailers, and vans owned, hired, or used by a business. It is the commercial counterpart to the Personal Auto Policy. Combined with the Business Auto Declarations (CA DS 03) and the Common Policy Conditions (IL 00 17) , it forms the complete contract.

The form is divided into five sections: Section I — Covered Autos , Section II — Covered Autos Liability , Section III — Physical Damage , Section IV — Business Auto Conditions , and Section V — Definitions . A business may own zero, five, or five hundred vehicles, so the form cannot simply list "your car." Instead it solves the problem with a symbol system.

How Covered Auto Symbols Work

Next to each coverage on the declarations, the underwriter enters one or more covered-auto designation symbols (1 through 9, plus 19) . A coverage applies ONLY to autos that fit the symbol shown beside it. This lets the insurer grant broad liability but limit physical damage to scheduled vehicles.

The Symbol Table

Symbol Name What It Reaches
1 Any Auto Owned, hired, AND non-owned — broadest liability
2 Owned Autos Only All autos the named insured owns
3 Owned Private Passenger Only Owned cars, not trucks
4 Owned Autos Other Than Private Passenger Owned trucks/trailers
5 Owned Autos Subject to No-Fault For PIP states
6 Owned Autos Subject to Compulsory UM For UM statutes
7 Specifically Described Autos ONLY autos listed on schedule
8 Hired Autos Only Leased, rented, borrowed (not owned)
9 Non-Owned Autos Only Employees' autos used for business
19 Mobile Equipment Subject to Compulsory/Financial Responsibility Registered mobile equipment

Key trap: Symbol 1 is the only symbol that automatically covers an auto acquired AFTER the policy begins with no reporting requirement. Symbol 2 also auto-covers newly acquired owned autos. Symbol 7 does NOT — additions to a Symbol 7 schedule get only the 30-day newly-acquired window, and only if the insurer already insures all owned autos.

Which Symbols Pair with Which Coverages

Not every symbol can be used with every coverage. The exam tests this constantly.

Liability can use almost any symbol; Symbol 1 (Any Auto) is most common because it reaches owned, hired, and non-owned exposures at once.

Physical Damage (Comprehensive, Collision, Specified Causes of Loss) cannot use Symbol 1. The insurer must know which specific autos it will pay to repair, so Physical Damage uses Symbol 7, 8, or 2 .

Hired auto physical damage uses Symbol 8 and is usually written as a separate limit because the insured does not own the vehicle.

Combining Symbols

A small contractor that wants broad liability but physical damage only on its two owned trucks would use Symbol 1 for liability and Symbol 7 for physical damage , scheduling the two trucks. A larger fleet might use Symbols 2, 8, and 9 together — owned + hired + non-owned — which gives nearly the same liability breadth as Symbol 1 while allowing physical damage to attach to the owned (Symbol 2) autos.

The Nine Covered-Auto Symbols

The Business Auto Coverage Form ( CA 00 01 ) assigns coverage by symbol entered next to each coverage on the declarations. Memorizing the symbols is one of the highest-yield commercial-auto exam tasks:

Symbol Meaning
1 Any auto (broadest — only available for liability)
2 Owned autos only
3 Owned private passenger autos only
4 Owned autos other than private passenger
5 Owned autos subject to no-fault
6 Owned autos subject to compulsory UM law
7 Specifically described (scheduled) autos
8 Hired autos only
9 Non-owned autos only

Symbol 1 gives the broadest liability protection because it covers any auto, including newly acquired and non-owned vehicles automatically.

Pairing Symbols with Coverages

Not every symbol works with every coverage, and the exam exploits this:

Liability can use any symbol, including 1 (any auto) .

Physical damage (comprehensive/collision) can never use symbol 1 — you cannot insure the physical damage of an auto you do not own; it requires symbols 7 (scheduled) or 8 (hired) .

Hired-auto physical damage uses symbol 8 ; non-owned liability uses symbol 9 .

Quick Answer: Symbol 1 = broadest liability; physical damage requires owned/scheduled (7) or hired (8) symbols — never symbol 1.

A contractor wanting the most complete liability typically uses symbol 1 for liability and symbol 7 for physical damage on its scheduled trucks, adding 8 and 9 for hired and non-owned exposures.

Symbol Strategy and a Worked Combination

Because symbols are assigned per coverage , an insured builds a coverage profile by mixing them. A typical contractor wanting maximum protection uses symbol 1 for liability (any auto, including future and non-owned), symbol 7 for physical damage on its scheduled trucks (you cannot physically insure autos you do not own), symbol 8 for hired-auto physical damage, and symbol 9 for non-owned liability where employees drive personal cars on company errands.

Worked example: a landscaping company shows symbol 1 for liability, symbol 7 for collision/comprehensive on its three trucks, and symbols 8 and 9 to cover rented equipment trailers and employees' personal vehicles. When an employee's own car causes an accident on a job run, symbol 9 responds for the employer; when a scheduled truck is in a collision, symbol 7 pays its repair. Trap: symbol 1 looks like it covers everything, but it is liability-only — physical damage always needs symbol 2/7/8 because you cannot insure the physical loss of a vehicle you neither own nor have hired.