1. The Business Auto Coverage Form provides commercial:

Auto liability and physical damage coverage for a business's vehicles

The Business Auto Coverage Form covers liability and, if selected, physical damage for a business's owned, hired, and nonowned autos.

2. Covered auto designation symbols on a business auto policy are used to:

Indicate which autos are covered for each coverage

Numbered symbols on the business auto policy designate which categories of autos are covered for each coverage.

3. Hired auto coverage on a commercial auto policy applies to autos the business:

Leases, hires, rents, or borrows

Hired auto coverage applies to vehicles the insured leases, hires, rents, or borrows, excluding those it owns.

4. Nonowned auto coverage protects a business against liability arising from:

Employees using their personal vehicles on company business

Nonowned auto coverage responds to liability when employees use their own vehicles for the employer's business.