12.1 Business Auto Coverage Form and Covered Auto Symbols

Arkansas Property & Casualty Insurance State

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1 Standalone Coverage Map

Standalone Coverage Map

2 Introduction: Arkansas Property & Casualty Insurance Exam Overview

Arkansas 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

4.1 Homeowners Forms HO-2 through HO-8 and Eligibility 4.2 Section I Coverages A-D and Additional Coverages 4.3 Section I Perils Insured Against and Exclusions 4.4 Replacement Cost vs. ACV and Loss Settlement in Homeowners

7 National Portion: Homeowners Policies - Section II & Endorsements

5.1 Section II Coverages E (Liability) and F (Medical Payments) 5.2 Homeowners Conditions and Duties After Loss 5.3 Common Homeowners Endorsements (scheduled property, water backup, ordinance or law)

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: Arkansas P&C Insurance Regulation & Licensing

1.1 Arkansas Insurance Department 1.2 Arkansas P&C Producer Licensing Requirements 1.3 Arkansas Producer Responsibilities

22 Chapter 2: Arkansas Property Insurance

2.1 Arkansas Homeowners Insurance 2.2 Arkansas Commercial Property Insurance

23 Chapter 3: Arkansas Casualty & Auto Insurance

3.1 Arkansas Auto Insurance Requirements 3.2 Arkansas Liability Insurance 3.3 Arkansas Workers' Compensation Insurance

24 Chapter 4: Arkansas Ethics & Professional Conduct

4.1 Ethical Practices and Consumer Protection

12.1 Business Auto Coverage Form and Covered Auto Symbols

Key Takeaways Explain This Topic AI

The Business Auto Coverage Form is ISO CA 00 01; it has five sections (Covered Autos, Liability, Physical Damage, Conditions, Definitions).

Covered auto symbols 1–9 are the coverage trigger; symbol 1 (Any auto) is broadest but available only for liability, never physical damage.

Symbol 7 covers only scheduled autos; newly acquired autos must be reported within 30 days under symbol 7.

Symbols 8 (hired) and 9 (nonowned) are often added to round out owned-auto coverage.

Temporary substitute autos and small trailers (2,000 lbs or less) are automatically covered for liability.

Last updated: June 2026

The Business Auto Coverage Form (BAP)

The Business Auto Coverage Form (ISO form CA 00 01) is the cornerstone commercial auto policy. Combined with the Common Policy Declarations , the Business Auto Declarations (CA DS 03) , and the Common Policy Conditions (IL 00 17) , it builds a complete monoline auto policy or one part of a commercial package policy (CPP). The current edition most schools test is CA 00 01 11 20 , though older 10 13 editions still appear on exams.

The BAP is a self-contained, open-perils-style liability and named-perils physical-damage contract. It has five sections you must memorize in order: Section I – Covered Autos (the symbols), Section II – Covered Autos Liability Coverage, Section III – Physical Damage Coverage, Section IV – Business Auto Conditions, and Section V – Definitions.

Covered Auto Symbols 1–9

The single most-tested BAP concept is the covered auto symbol entered next to each coverage in the declarations. A symbol describes which autos are insured for that coverage; the same policy can use different symbols for liability versus physical damage. Symbols are NOT optional descriptors—they are the coverage trigger.

Symbol Description Exam trap
1 Any auto Broadest; only used for liability , never physical damage
2 Owned autos only All autos you own
3 Owned private passenger autos only PPTs only
4 Owned autos other than PPT Trucks, trailers
5 Owned autos subject to no-fault Provides required PIP
6 Owned autos subject to compulsory UM Triggers UM
7 Specifically described autos Only autos listed in the schedule
8 Hired autos only Leased, rented, hired— not owned, not borrowed
9 Nonowned autos only Employees' autos used in business

How symbols combine

Symbol 1 (Any auto) is the broadest liability symbol—owned, hired, and nonowned autos, plus newly acquired autos automatically with no reporting requirement.

Symbol 7 (specifically described) is the narrowest: a newly acquired auto is covered only if reported within 30 days and is of a type already insured, unless broadened acquisition language is shown.

Symbols 8 and 9 are commonly paired (8 + 9) to round out a policy that already uses 2 or 7 for owned units—covering hired and nonowned exposure cheaply.

Physical damage can use symbols 2, 3, 4, 7, 8, or 19 (mobile equipment), but never symbol 1 , because you cannot insure physical damage on autos you neither own nor control.