Business Auto Policy (BAP) — Symbols, Who’s Insured & Common Gaps

This session tackles the most misunderstood parts of the BAP — especially those that lead to unexpected claim denials or liability exposures.
Key Topics:
• Understanding Symbols 1–9: What they mean and when to use them
• "Who is an insured" — employees using personal vehicles, volunteers, owners
• Auto vs. mobile equipment vs. trailer confusion
• Hired & Non-Owned Auto coverage — when it's not enough
• Common gaps in rental vehicles, new acquisitions, and permissive users