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The business is starting, changing hands or changing what it does, and the policy has to describe it

Bundle business and auto insurance

A business weighing standalone auto against a bundled business policy should first check where its vehicles sit, because ISO's businessowners form excludes owned autos. BP 00 03 08 24 excludes injury or damage from any auto "owned or operated by or rented or loaned to any insured" and leaves registered vehicles out of covered property, so owned vehicles go on a business auto form, alone or as a coverage part of a package policy. What a BOP can add is ISO's BP 04 04 hired and non-owned auto liability: liability only and excess over primary insurance. Compare which vehicles each policy covers, which limit pays, whether it pays first or second, and who counts as an insured.

Does a BOP cover the vehicles my business owns?

ISO's businessowners form, BP 00 03 08 24, does not cover vehicles the business owns, for liability or for damage. Its liability section excludes injury or damage arising from any auto "owned or operated by or rented or loaned to any insured," and its property section says covered property does not include "automobiles, motortrucks and other vehicles subject to motor vehicle registration." ISO's general liability form, CG 00 01 12 25, carries the same auto exclusion word for word, so a general liability policy bundled with property coverage leaves the same gap.

BP 00 03 08 24 leaves owned vehicles to a business auto form, written alone or as the auto coverage part of a package policy. In Utah that auto coverage carries what Utah Code 31A-22-302 requires of every policy bought to meet the owner's security requirement: motor vehicle liability, uninsured and underinsured motorist coverage unless affirmatively waived, and personal injury protection, which trailers and semitrailers do not need. Utah Code 31A-22-304 sets the liability floor, on policies issued or renewed on or after January 1, 2025, at $30,000 per person, $65,000 for two or more persons in one accident and $25,000 for property damage, or $90,000 in any one accident as a single limit.

Sources: 1, 2, 14, 24, 25

What is the difference between a BOP and a commercial package policy?

ISO's businessowners coverage form, BP 00 03, covers property and liability together; a commercial package policy joins separate coverage forms in one policy. BP 00 03 prints a single Section III of "Common Policy Conditions" that applies to both its property section and its liability section, and a carrier's BOP may use its own form rather than ISO's. A commercial package policy is one policy made of separate coverage parts under ISO's Common Policy Conditions, IL 00 17 11 98, which open: "All Coverage Parts included in this policy are subject to the following conditions."

ISO writes auto as a coverage part of its own: its Calculation of Premium endorsement, IL 00 03 09 08, names a Commercial Automobile Coverage Part among the coverage parts it modifies, beside the Commercial General Liability Coverage Part. With BP 00 03 excluding owned autos, ISO's forms allow three arrangements:

  • Owned vehicles on a commercial automobile coverage part inside a package policy, under the package's IL 00 17 conditions
  • A BOP and a separate business auto policy, from one insurer or two
  • A BOP with BP 04 04 hired and non-owned auto liability and no owned-auto coverage, which leaves any vehicle the business owns uncovered, since BP 00 03 excludes owned autos

Sources: 3, 15, 16, 1

Can I add auto coverage to my BOP?

A BOP can add hired and non-owned auto liability through ISO endorsement BP 04 04 01 10, and only for the parts with a premium shown. The endorsement says "Insurance is provided only for those coverages for which a specific premium charge is shown in the Declarations or in the Schedule," and its schedule has two lines: Hired Auto Liability, for a hired auto used "by you or your 'employees' in the course of your business," and Non-owned Auto Liability, for any non-owned auto used in the business "by any person."

BP 04 04 prints three limits on what it adds, and the BOP form's limit clause adds a fourth:

  • Excess (BP 04 04): "This insurance is excess over any primary insurance covering the 'hired auto' or 'non-owned auto'."
  • Liability only (BP 04 04): it excludes property damage to property "owned or being transported by, or rented or loaned to the insured," so damage to a rented vehicle is not paid.
  • Narrow insureds (BP 04 04): partners, executive officers and employees are insureds for a non-owned auto "only while such 'non-owned auto' is being used in your business," and a partner or executive officer is never an insured for an auto their own household owns.
  • The BOP's limit (BP 00 03): BP 04 04 applies the BOP's own Business Liability coverage, and BP 00 03 D.2 caps all bodily injury and property damage from one occurrence under that coverage at the Liability and Medical Expenses limit, with an aggregate of twice that limit under D.4.b.

Sources: 7, 8, 9, 10, 11, 12, 13, 4, 5

What should I compare besides premium between standalone auto and a bundled policy?

Besides premium, compare five things between a business auto policy and a bundled policy: owned vehicles, rented vehicles, employees' cars, whose limit pays, and Utah's required coverages. The table reads ISO's CA 00 01 11 20 and BP 04 04 01 10, the newest editions found on the open web; a carrier's own forms can differ, and its declarations show what was bought.

Two policies from one insurer may not add their limits together on one accident. CA 00 01 IV.B.8 says that when its form and "any other Coverage Form or policy issued to you by us or any company affiliated with us applies to the same 'accident'," the combined limit "shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy," unless the other policy is written specifically as excess over the auto form. Ask the insurer how that condition reads against its BOP endorsement.

A package policy cancels as one policy: IL 00 17 applies to "All Coverage Parts included in this policy," and Utah Code 31A-21-303(2)(c) requires at least 30 days' notice for cancellation other than for nonpayment. At renewal, Utah Code 31A-21-303(6)(c) keeps the 30-day notice of higher rates in force for a commercial rate increase of 25% or more, even when the increase applies to a whole class.

Business auto policy and BOP auto endorsement, side by side (ISO forms)
What to compareBusiness auto policy (CA 00 01 11 20)BOP with BP 04 04 01 10
Vehicles the business ownsCovered for the symbols on the declarations; symbol 2 includes autos bought after the policy startsExcluded by BP 00 03 exclusion g
Rented or borrowed vehiclesLiability under symbol 8; damage to the vehicle only with Hired Auto Physical DamageHired Auto Liability only; damage to the rented vehicle excluded
Employees' own cars on businessSymbol 9, excess over other collectible insuranceNon-owned Auto Liability, excess over primary insurance
Pays first or secondPrimary for owned autos, excess for autos the business does not ownExcess over any primary insurance on the hired or non-owned auto
Limit that paysCovered Autos Liability limit, per accident (II.C)BP 00 03's Liability and Medical Expenses limit, per occurrence (D.2), since BP 04 04 applies Business Liability
Utah UM, UIM and PIPCarried on the policy that insures the owned vehicles (31A-22-302)None printed in the endorsement

Sources: 17, 18, 19, 21, 20, 22, 1, 11, 10, 8, 4, 24, 15, 26, 27

How do you set up a BOP and a commercial auto policy together?

A business with owned vehicles and a BOP puts the vehicles on a business auto form and decides which policy carries hired and non-owned liability. CA 00 01 11 20 writes hired autos as symbol 8 and non-owned autos as symbol 9.

Read the BOP declarations before adding symbols 8 and 9 to the auto policy: a BP 04 04 line with a premium beside it already buys hired or non-owned liability under the BOP's Business Liability coverage and its Liability and Medical Expenses limit. On the auto policy, the same claims fall under the Covered Autos Liability limit for each accident, which CA 00 01 II.C sets. Damage to a rented vehicle is covered by Hired Auto Physical Damage Coverage when the auto policy includes it, and BP 04 04 excludes property rented or loaned to the insured.

Sources: 18, 19, 7, 8, 4, 20, 23, 11

What do you send to compare a bundled policy with a standalone auto quote?

To compare a bundled policy with a standalone auto quote, send the current declarations and the vehicle and driver list below. Text them to Redoubt; the reply is a conversation that says what can be bound now, what needs the carrier, and what to send back.

  • The current BOP or package declarations, showing any hired and non-owned auto lines and their premiums
  • The current auto declarations page, or the dates of prior auto coverage
  • Each vehicle and trailer: year, make, model, body type and value, with the VIN if you have it
  • Every driver: name, date of birth, licence number and class
  • The USDOT or MC number, if the business has one
  • A paragraph on what the business does and what the vehicles carry, and the date auto coverage has to start

Sources: 28, 7

Frequently asked questions

Does a BOP cover the business's own property while it is in transit?

A BOP covers the business's own property in transit only through an extension. ISO's BP 00 03 08 24 says the insured "may extend" property coverage to covered property "in the course of transit," up to $10,000 unless the declarations show a higher Personal Property Off-premises limit, and the extension leaves out money, securities, valuable papers and records, and accounts receivable.

Is an LLC member's own car a non-owned auto on a BOP?

BP 04 04 01 10 names no LLC members in its non-owned auto definition. It counts autos owned by employees, partners, executive officers and their households, while CA 00 01 11 20's symbol 9 names members of a limited liability company outright. Ask the insurer how its BOP endorsement reads.

Sources

Where these answers come from

Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.

  1. 1. ISO BP 00 03 08 24, Businessowners Coverage Form, Section II, exclusion g (aircraft, auto or watercraft)
    “"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured.”
    law.com, accessed October 12, 2026. Page 40 of 55. The exception for parking an auto next to premises applies only to an auto not owned by or rented or loaned to the insured. ISO BP 00 03 08 24, the 2025 multistate BOP revision, on law.com (ALM, publisher of FC&S); A carrier's BOP may use its own form.
  2. 2. ISO BP 00 03 08 24, Section I, Property Not Covered, paragraph a
    “Covered Property does not include: a. Aircraft, automobiles, motortrucks and other vehicles subject to motor vehicle registration;”
    law.com, accessed October 12, 2026. ISO BP 00 03 08 24, the 2025 multistate BOP revision, on law.com (ALM, publisher of FC&S); A carrier's BOP may use its own form.
  3. 3. ISO BP 00 03 08 24, Section III heading, Common Policy Conditions
    “SECTION III – COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I – PROPERTY AND SECTION II – LIABILITY)”
    law.com, accessed October 12, 2026. Section III opens with the BOP's cancellation condition. ISO BP 00 03 08 24, the 2025 multistate BOP revision, on law.com (ALM, publisher of FC&S); A carrier's BOP may use its own form.
  4. 4. ISO BP 00 03 08 24, Section II, D.2, Liability and Medical Expenses limit
    “The most we will pay for the sum of all damages because of all: a. "Bodily injury", "property damage" and medical expenses arising out of any one "occurrence"; and b. "Personal and advertising injury" sustained by any one person or organization; is the Liability and Medical Expenses limit shown in the Declarations.”
    law.com, accessed October 12, 2026. ISO BP 00 03 08 24, the 2025 multistate BOP revision, on law.com (ALM, publisher of FC&S); A carrier's BOP may use its own form.
  5. 5. ISO BP 00 03 08 24, Section II, D.4.b, aggregate limit
    “(1) "Bodily injury" and "property damage" except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard"; (2) Plus medical expenses; (3) Plus all "personal and advertising injury" caused by offenses committed; is twice the Liability and Medical Expenses limit.”
    law.com, accessed October 12, 2026. The paragraph opens "The most we will pay for: ... b. All:". ISO BP 00 03 08 24, the 2025 multistate BOP revision, on law.com (ALM, publisher of FC&S); A carrier's BOP may use its own form.
  6. 6. ISO BP 00 03 08 24, Section I, Coverage Extension, Personal Property Off-premises
    “You may extend the insurance provided by this Policy to apply to your Covered Property, other than "money" and "securities", "valuable papers and records" or accounts receivable, while it is in the course of transit or at a premises you do not own, lease or operate. The most we will pay for loss or damage under this extension is $10,000”
    law.com, accessed October 12, 2026. The sentence continues "unless a higher Limit Of Insurance for Personal Property Off-premises is shown in the Declarations." ISO BP 00 03 08 24, the 2025 multistate BOP revision, on law.com (ALM, publisher of FC&S); A carrier's BOP may use its own form.
  7. 7. ISO BP 04 04 01 10, Hired Auto And Non-Owned Auto Liability, paragraph A
    “Insurance is provided only for those coverages for which a specific premium charge is shown in the Declarations or in the Schedule.”
    assets.touchpointmarkets.com, accessed October 12, 2026. The schedule lists A. Hired Auto Liability and B. Non-owned Auto Liability, each with an Additional Premium line. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  8. 8. ISO BP 04 04 01 10, paragraph A.1, Hired Auto Liability
    “The insurance provided under Paragraph A.1. Business Liability in Section II – Liability applies to "bodily injury" or "property damage" arising out of the maintenance or use of a "hired auto" by you or your "employees" in the course of your business.”
    assets.touchpointmarkets.com, accessed October 12, 2026. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  9. 9. ISO BP 04 04 01 10, paragraph A.2, Non-owned Auto Liability
    “The insurance provided under Paragraph A.1. Business Liability in Section II – Liability applies to "bodily injury" or "property damage" arising out of the use of any "non-owned auto" in your business by any person.”
    assets.touchpointmarkets.com, accessed October 12, 2026. Paragraph D.3 defines a non-owned auto to include autos owned by "employees", partners or "executive officers" or their households, and names no LLC members. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  10. 10. ISO BP 04 04 01 10, paragraph C, Other Insurance
    “This insurance is excess over any primary insurance covering the "hired auto" or "non-owned auto".”
    assets.touchpointmarkets.com, accessed October 12, 2026. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  11. 11. ISO BP 04 04 01 10, paragraph B.1.b, property damage exclusion
    “"Property damage" to: (1) Property owned or being transported by, or rented or loaned to the insured; or (2) Property in the care, custody or control of the insured.”
    assets.touchpointmarkets.com, accessed October 12, 2026. The endorsement prints no physical damage, uninsured motorist or personal injury protection coverage. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  12. 12. ISO BP 04 04 01 10, paragraph B.2, 1.c, who is an insured for a non-owned auto
    “For a "non-owned auto": (1) Any partner or "executive officer" of yours; or (2) Any "employee" of yours; but only while such "non-owned auto" is being used in your business;”
    assets.touchpointmarkets.com, accessed October 12, 2026. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  13. 13. ISO BP 04 04 01 10, paragraph B.2, 2.b, who is not an insured
    “Any partner or "executive officer" for any "auto" owned by such partner or officer or a member of his or her household;”
    assets.touchpointmarkets.com, accessed October 12, 2026. ISO BP 04 04 01 10 on the FC&S asset CDN; A newer BP 04 04 edition was not checked; the PDF prints an en dash in "Section II – Liability".
  14. 14. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion g
    “"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured.”
    assets.touchpointmarkets.com, accessed October 12, 2026
  15. 15. ISO IL 00 17 11 98, Common Policy Conditions, opening line
    “All Coverage Parts included in this policy are subject to the following conditions.”
    forms.nationwideexcessandsurplus.com, accessed October 12, 2026. Paragraph A.4: "The policy period will end on that date." 11 98 is the newest edition on the open web; Utah's statute governs where it is more favorable.
  16. 16. ISO IL 00 03 09 08, Calculation of Premium, list of coverage parts modified
    “This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART”
    fmic.com, accessed October 12, 2026. The list continues with inland marine, commercial property, crime and nine other coverage parts. The form's own text: "On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect."
  17. 17. ISO CA 00 01 11 20, Business Auto Coverage Form, Section I.A, symbol 2 (owned autos only)
    “Only those "autos" you own (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" you acquire ownership of after the Policy begins.”
    assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  18. 18. ISO CA 00 01 11 20, Section I.A, symbol 8 (hired autos only)
    “Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households.”
    assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  19. 19. ISO CA 00 01 11 20, Section I.A, symbol 9 (non-owned autos only)
    “Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs.”
    assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  20. 20. ISO CA 00 01 11 20, Section II.C, Covered Autos Liability limit of insurance
    “Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for the total of all damages and "covered pollution cost or expense" combined resulting from any one "accident" is the Limit Of Insurance for Covered Autos Liability Coverage shown in the Declarations.”
    assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  21. 21. ISO CA 00 01 11 20, Section IV.B.5.a, Other Insurance
    “For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance.”
    assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  22. 22. ISO CA 00 01 11 20, Section IV.B.8, Two Or More Coverage Forms Or Policies Issued By Us
    “If this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with us applies to the same "accident", the aggregate maximum Limit of Insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy.”
    assets.touchpointmarkets.com, accessed October 12, 2026. The condition "does not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form." 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  23. 23. ISO CA 00 01 11 20, Section IV.B.5.b, Hired Auto Physical Damage
    “For Hired Auto Physical Damage Coverage, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto".”
    assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the customer's policy may carry a later edition, a state endorsement or the carrier's own form.
  24. 24. Utah Code 31A-22-302(1), required components of motor vehicle insurance policies
    “Every policy of insurance or combination of policies purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301 shall include: (a) motor vehicle liability coverage under Sections 31A-22-303 and 31A-22-304”
    le.utah.gov, accessed October 12, 2026. (1)(b) uninsured motorist coverage unless affirmatively waived under 31A-22-305(5), (1)(c) underinsured motorist coverage unless waived under 31A-22-305.3(3), (1)(d) personal injury protection; (2) exempts motorcycles, off-highway vehicles, street-legal ATVs, trailers and semitrailers from PIP.
  25. 25. Utah Code 31A-22-304(2), motor vehicle liability minimums from January 1, 2025
    “a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a) (i) $30,000 because of liability for bodily injury to or death of one person”
    le.utah.gov, accessed October 12, 2026. (2)(a)(ii) sets $65,000 for two or more persons and (2)(a)(iii) $25,000 for property damage; (2)(b) allows "$90,000 in any one accident" as a single limit.
  26. 26. Utah Code 31A-21-303(2)(c)(i), cancellation notice other than for nonpayment
    “except cancellation for nonpayment of premium, is effective no sooner than 30 days after the delivery or first-class mailing of a written notice to the policyholder.”
    le.utah.gov, accessed October 12, 2026. The sentence opens "The cancellation provided by Subsection (2)(b) ," with the space the page prints. (2)(c)(iii) sets 10 days for nonpayment on a commercial lines policy.
  27. 27. Utah Code 31A-21-303(6)(c), commercial rate increase of 25% or more
    “Subsections (6)(b)(i) and (ii) do not apply to a rate increase of 25% or more on a commercial policy.”
    le.utah.gov, accessed October 12, 2026. Same file. (6)(a)(i) requires notice of less favorable terms or higher rates at least 30 days before the previous policy expires; (6)(b) exempts class-wide increases, which (6)(c) removes for commercial increases of 25% or more.
  28. 28. Redoubt, commercial auto insurance guide, what to send
    “Text Redoubt the broker packet, the lender's insurance letter, the platform's upload screen or the renewal itself, with the vehicles and the date you need it by. We will say what can be bound now, what needs the carrier, and what to send back.”
    www.redoubt.insure, accessed October 12, 2026
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Talk to Redoubt

Send your current declarations and the vehicle list

Text Redoubt your BOP or package declarations, the year, make, model, body type and value of each vehicle and trailer, every driver's name, date of birth and licence number, your USDOT or MC number if you have one, a paragraph on what the business does, and the date cover has to start, and we will talk through what can be bound now and what to send back.

Text us your declarationsCall 385-375-7655

This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.