Maria Thought She Was Fully Insured... The Policy Exclusion Proved Otherwise.
Most Commercial Auto Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Petals Flower Shop’s Non-Owned Auto Gap*
Maria, owner of Petals Flower Shop, asked drivers to use their personal cars for deliveries on Valentine’s Day. When an uninsured temporary driver severely injured two people in a crash, Maria’s commercial auto insurer refused coverage. Her policy only listed her business van under “Symbol 7”(“specifically described autos”), with no provision for “Hired & Non-Owned” liability.
Potential Denial (The Gap):
Standard commercial auto policies only cover autos listed (Symbol 7). Personal or hired vehicles used for business are often excluded unless Symbol 9 (“Hired & Non-Owned Auto” coverage) is explicitly added.
Risk Identified by My Policy Advocate:
US Symbol 7 vs. Symbol 9 classification; personal/temporary/hired vehicles often excluded unless clearly endorsed.
Policy Language:
“Coverage only applies to those ‘autos’ specifically described.”
Discovery by Clara, our Ai Assistant:
Clara checks for the presence of Symbol 9 coverage, flagging the gap where employees’ personal vehicles used for business could expose the company.
Questions to Ask Your Agent:
- Is ‘Hired and Non-Owned Auto’ coverage on my policy?
- How do I update my declarations to protect extra drivers?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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