A small consulting firm has its employees drive their own personal vehicles to client sites. Which Business Auto Coverage symbol should the firm assign to pick up liability for the firm arising out of an employee's use of his or her own car for business?
Explanation
Symbol 9 (non-owned autos only) covers autos the named insured does not own, lease, hire, rent, or borrow, including employee-owned vehicles used in the business. This protects the company from vicarious liability when an employee causes an accident while running a business errand in their personal car. The employee's own PAP remains primary; Symbol 9 typically responds excess.
Law Reference: ISO Business Auto Coverage Form, Symbol 9This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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