Commercial auto insurance symbols
An owner unsure whether a work vehicle is insured commercially, or which vehicles and drivers are covered, reads the declarations page and asks the insurer about drivers. ISO's business auto form CA 00 01 11 20 says the symbols entered next to each coverage in Item Two decide which vehicles are covered: symbol 1 is any auto, symbol 2 every owned auto, symbol 7 only the vehicles listed in Item Three with a premium shown. The form lists no drivers; it insures, with listed exceptions, anyone using with the business's permission a covered auto the business owns, hires or borrows, and Utah Code 31A-22-303 requires an owner's policy to insure permissive users.
How do I know if I have commercial insurance or personal insurance on my vehicle?
Three entries on a declarations page mark a policy built on ISO's commercial auto forms: the named insured, the coverage form number and the covered-auto symbols. The Utah Insurance Department's auto glossary describes the declarations page as "A page your company sends you to show your premium, coverages and endorsements," and for a policy of motor vehicle liability coverage under Utah Code 31A-22-302(1)(a), 31A-22-303(1)(a)(i) requires the policy to "name the motor vehicle owner or operator in whose name the policy was purchased." Read the three entries in turn:
- Named insured: Utah Code 31A-1-301 defines personal lines insurance by purpose and buyer, as coverage "sold for primarily noncommercial purposes to: (a) an individual; or (b) a family," so a policy issued to an LLC or a corporation falls outside that definition, and a policy naming an individual can still be sold for commercial purposes.
- Coverage form: ISO's business auto form is headed "COMMERCIAL AUTO" and numbered CA 00 01, and its motor carrier form is numbered CA 00 20; if neither number appears in the forms list, ask the insurer in writing which coverage form the policy uses.
- Covered-auto symbols: both ISO forms say Item Two of the declarations shows the covered autos for each coverage by number, 1 to 9 and 19 on CA 00 01, 61 to 71 and 79 on CA 00 20.
How do I know if my car insurance covers commercial use?
The Utah Insurance Department says work use beyond commuting and pleasure may need a commercial auto policy or an endorsement on the personal policy. Its business-use page says "If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use," and its glossary calls an endorsement an "Amendment to the policy used to add, change, or delete coverage." A business-use endorsement on a personal policy appears among the endorsements the declarations page lists; with none listed, ask the insurer in writing whether the work the vehicle does is covered.
ISO's CA 00 01 says "the words "you" and "your" refer to the Named Insured shown in the Declarations," and its symbol 2 covers "Only those "autos" you own," so the form ties owned-auto coverage to the named insured. When a vehicle's title names someone other than the named insured, ask the insurer in writing whether the vehicle counts as an owned auto under the policy.
What do the commercial auto insurance symbols mean?
A covered-auto symbol is a number entered next to each coverage on a commercial auto declarations page that decides which vehicles that coverage reaches. ISO's business auto form CA 00 01 11 20 says "The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos"," and its motor carrier form CA 00 20 12 23 prints the same sentence over symbols 61 to 71 and 79. Each coverage carries its own symbol, so liability can show symbol 1 while physical damage shows symbol 7.
| Business auto symbol (CA 00 01) | Motor carrier symbol (CA 00 20) | Covered autos for that coverage |
|---|---|---|
| 1 | 61 | Any auto |
| 2 | 62 | Autos the business owns, including ones bought after the policy begins |
| 3 | 63 | Owned private passenger autos only |
| 4 | 64 | Owned autos other than private passenger type (CA 00 20: owned trucks, tractors and trailers) |
| 5 and 6 | 65 and 66 | Owned autos that state law requires to have no-fault benefits (5), or to have uninsured motorists coverage they cannot reject (6) |
| 7 | 67 | Only the autos in Item Three with a premium charge shown |
| 8 | 68 | Autos leased, hired, rented or borrowed; CA 00 01 excludes any from employees, partners, LLC members or their households, CA 00 20 only private passenger types from them |
| 9 | 71 | Autos not owned, leased, hired, rented or borrowed that are used in the business, employees' autos included (CA 00 20: their private passenger types) |
| 19 | 79 | Land vehicles that would be mobile equipment but for a motor vehicle insurance law |
Which vehicles does my commercial auto policy actually cover?
A commercial auto policy covers the vehicles its Item Two symbols describe, coverage by coverage, and no others. Read the symbol next to each coverage first: under symbol 2 on ISO's CA 00 01, every auto the business owns, including one bought after the policy begins, is a covered auto for that coverage.
Under symbol 7 the vehicle schedule is the coverage. CA 00 01 covers "Only those "autos" described in Item Three of the Declarations for which a premium charge is shown," so a truck in use but missing from Item Three is not a covered auto for any coverage showing symbol 7. Under CA 00 01 Section I.B.2, a vehicle bought during the term joins a symbol 7 coverage only if the insurer already covers every owned auto for that coverage or the vehicle replaces one, and the business tells the insurer within 30 days.
Light trailers, rented vehicles and employees' vehicles reach coverage outside the owned-auto symbols. CA 00 01 Section I.C makes light trailers covered autos for liability without a symbol: ""Trailers" with a registered Gross Vehicle Weight Rating of 3,000 pounds or less designed primarily for travel on public roads." Rented vehicles come in through symbol 1 or 8, and employee-owned vehicles through symbol 1 or 9, since symbol 8 excludes autos hired or borrowed from employees. A business whose only hired and non-owned cover is the businessowners endorsement BP 04 04 01 10 has those coverages only where a premium is shown, because ISO's endorsement says "Insurance is provided only for those coverages for which a specific premium charge is shown in the Declarations or in the Schedule."
How do I find which drivers are on my commercial auto policy?
The drivers an insurer rated on a commercial auto policy are on that insurer's own records, because ISO's business auto form CA 00 01 11 20 lists no drivers. The form's Section II.A.1 insures "Anyone else while using with your permission a covered "auto" you own, hire or borrow," with listed exceptions.
Each insurer sets its own rule for drivers. Progressive says on its commercial auto page, read October 12, 2026: "Drivers with regular access to your commercial vehicle should be named on your policy. Additional drivers may be covered, but restrictions apply for anybody not listed on the policy."
Ask the insurer in writing for three things, then compare the answers with every person who drives a business vehicle today, occasional drivers included:
- A copy of the application and any driver schedule it rated, with each driver's name and license number
- Any driver excluded by name, and the date the exclusion was added
- What the policy says about a driver who is not on the list
How do I get a current declarations page and add a missing vehicle or driver?
A commercial policy's terms change only by an endorsement the insurer issues, at the first named insured's request and with the insurer's consent. ISO's common policy conditions IL 00 17 11 98 say "The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent," and that the terms "can be amended or waived only by endorsement issued by us and made a part of this policy."
The Utah Insurance Department's auto glossary says "You should get a revised declarations page whenever there’s a change to your policy." Ask for the endorsement and the revised declarations page in writing, and check the vehicle schedule and any driver list on both.
What do you send to check which vehicles and drivers a policy covers?
Redoubt checks a policy's vehicles and drivers against the business from one list: the declarations, the vehicles, their titles, the drivers and the work. Text the list below; the first reply is a conversation about what the current policy covers, what it is missing, and which kind of policy fits the work.
- The current declarations page with its endorsements and its vehicle and driver schedules, or the dates of prior coverage
- Each vehicle and trailer: year, make, model, body type, value and VIN
- Who each vehicle is titled to: the business, the owner personally, or someone else
- Every driver: name, date of birth, license number and class
- The vehicles and drivers actually in use today, occasional drivers included
- How each vehicle is used for work: what it carries, how frequently and how far
- USDOT number, and MC or docket number, if any
- The date any change or new coverage has to start
Can a Utah auto policy exclude a named driver?
Utah Code 31A-22-302.5 lets a personal lines policy exclude a household member or a regular driver. The exclusion is effective only if the excluded person meets Utah's owner's or operator's security requirement independently, the named insured and the excluded person consent in writing, and the insurer names the excluded person on evidence of insurance given to an additional insured or loss payee; it stays until the insurer removes it. The statute names personal lines policies; for a business policy, ask the insurer for any driver exclusion in writing.
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. Utah Insurance Department, Glossary of Auto Insurance Terms, Declarations Page
“A page your company sends you to show your premium, coverages and endorsements. Some insurance companies only send a new declarations page at renewal unless there’s a change to your policy. You should get a revised declarations page whenever there’s a change to your policy.”
insurance.utah.gov, accessed October 12, 2026. The entry is headed "Declarations Page (“Dec Page”)". The page prints no date. - 2. Utah Insurance Department, Glossary of Auto Insurance Terms, Endorsement
“Amendment to the policy used to add, change, or delete coverage. Also referred to as a “rider.””
insurance.utah.gov, accessed October 12, 2026. Same page and pull. - 3. Utah Insurance Department, Business Use Of Your Auto
“If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”
insurance.utah.gov, accessed October 12, 2026. The page lists delivery, catering, landscaping, snowplowing and other examples and adds that an un-endorsed personal policy does not cover transporting passengers for hire. - 4. Utah Code 31A-22-303(1)(a)(i), what a motor vehicle liability policy must state
“name the motor vehicle owner or operator in whose name the policy was purchased, state that named insured's address, the coverage afforded, the premium charged, the policy period, and the limits of liability;”
le.utah.gov, accessed October 12, 2026. The subsection applies to a policy of motor vehicle liability coverage under 31A-22-302(1)(a). - 5. Utah Code 31A-22-303(1)(a)(ii)(A), owner's policy: covered vehicles and permissive users
“if it is an owner's policy, designate by appropriate reference all the motor vehicles on which coverage is granted, insure the person named in the policy, insure any other person using any named motor vehicle with the express or implied permission of the named insured,”
le.utah.gov, accessed October 12, 2026. Same file. (1)(a)(ii)(B) covers an operator's policy, which insures the named person in vehicles he or she does not own. - 6. Utah Code 31A-1-301, definition of personal lines insurance
“"Personal lines insurance" means property and casualty insurance coverage sold for primarily noncommercial purposes to: (a) an individual; or (b) a family.”
le.utah.gov, accessed October 12, 2026 - 7. ISO CA 00 01 11 20, Business Auto Coverage Form, page heading
“COMMERCIAL AUTO CA 00 01 11 20 BUSINESS AUTO COVERAGE FORM”
assets.touchpointmarkets.com, accessed October 12, 2026. The heading on page 1; every page's footer carries CA 00 01 11 20. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 8. ISO CA 00 01 11 20, Section I, covered autos
“Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”
assets.touchpointmarkets.com, accessed October 12, 2026. The symbol table follows; symbol 1 is printed only as Any "Auto". 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 9. ISO CA 00 01 11 20, preamble, you and your
“Throughout this Policy, the words "you" and "your" refer to the Named Insured shown in the Declarations.”
assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 10. ISO CA 00 01 11 20, 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 form and edition on the customer's own policy control. - 11. ISO CA 00 01 11 20, Section I.A, symbol 3, owned private passenger autos only
“Only the private passenger "autos" you own. This includes those private passenger "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 form and edition on the customer's own policy control. - 12. ISO CA 00 01 11 20, Section I.A, symbol 4, owned autos other than private passenger
“Only those "autos" you own that are not of the private passenger type (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own).”
assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 13. ISO CA 00 01 11 20, Section I.A, symbols 5 and 6, no-fault and compulsory uninsured motorists
“Only those "autos" you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage.”
assets.touchpointmarkets.com, accessed October 12, 2026. Symbol 6. Symbol 5 reads "Only those "autos" you own that are required to have no-fault benefits in the state where they are licensed or principally garaged." 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 14. ISO CA 00 01 11 20, Section I.A, symbol 7, specifically described autos
“Only those "autos" described in Item Three of the Declarations for which a premium charge is shown (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to any power unit described in Item Three).”
assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 15. 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 form and edition on the customer's own policy control. - 16. 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. Symbol 9 makes the auto a covered auto; whether its driver is an insured is Section II.A.1, where the employee-owned exception applies. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 17. ISO CA 00 01 11 20, Section I.A, symbol 19, mobile equipment subject to motor vehicle laws
“Only those "autos" that are land vehicles and that would qualify under the definition of "mobile equipment" under this Policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged.”
assets.touchpointmarkets.com, accessed October 12, 2026. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 18. ISO CA 00 01 11 20, Section I.B.2, autos acquired under symbol 7
“if Symbol 7 is entered next to a coverage in Item Two of the Declarations, an "auto" you acquire after the policy period begins will be a covered "auto" for that coverage only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage.”
assets.touchpointmarkets.com, accessed October 12, 2026. Section I.B.1 covers autos acquired under symbols 1 to 6 and 19 "for the remainder of the policy period". 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 19. ISO CA 00 01 11 20, Section I.C.1, light trailers covered for liability
“"Trailers" with a registered Gross Vehicle Weight Rating of 3,000 pounds or less designed primarily for travel on public roads.”
assets.touchpointmarkets.com, accessed October 12, 2026. Item 1 of Section I.C, whose lead-in reads "If Covered Autos Liability Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Covered Autos Liability Coverage". 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 20. ISO CA 00 01 11 20, Section II.A.1, Who Is An Insured
“The following are "insureds": a. You for any covered "auto". b. Anyone else while using with your permission a covered "auto" you own, hire or borrow except:”
assets.touchpointmarkets.com, accessed October 12, 2026. Five exceptions follow, among them the owner from whom an auto is hired or borrowed and someone working in an auto sales, service, repair, parking or storage business. 11 20 is the newest edition found on the open web; the form and edition on the customer's own policy control. - 21. ISO CA 00 20 12 23, Motor Carrier Coverage Form, Section I, covered autos
“Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”
assets.touchpointmarkets.com, accessed October 12, 2026. The symbols are 61 to 71 and 79: 61 any auto, 62 owned, 63 owned private passenger type, 64 owned commercial, 65 and 66 no-fault and compulsory UM, 67 specifically described, 68 hired, 69 and 70 trailer interchange, 71 non-owned, 79 mobile equipment. - 22. ISO CA 00 20 12 23, Section I.A, symbol 64, owned commercial autos only
“Only those trucks, tractors and "trailers" you own (and for Covered Autos Liability Coverage any "trailers" you don't own while connected to a power unit you own).”
assets.touchpointmarkets.com, accessed October 12, 2026. Same pull as ca0020-item-two. - 23. ISO CA 00 20 12 23, Section I.A, symbol 68, hired autos only
“Only those "autos" you lease, hire, rent or borrow. This does not include any "private passenger type" "auto" you lease, hire, rent or borrow from any member of your household, any of your "employees", partners (if you are a partnership), members (if you are a limited liability company), or agents or members of their households.”
assets.touchpointmarkets.com, accessed October 12, 2026. Same pull as ca0020-item-two. - 24. ISO CA 00 20 12 23, Section I.A, symbol 71, 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 "private passenger type" "autos" owned by your "employees" or 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. Same pull as ca0020-item-two. - 26. Progressive Commercial, commercial auto insurance, What drivers are covered under commercial auto insurance?
“Drivers with regular access to your commercial vehicle should be named on your policy. Additional drivers may be covered, but restrictions apply for anybody not listed on the policy.”
progressivecommercial.com, accessed October 12, 2026. What Progressive says about its own commercial auto policies, in the page's common questions; the page prints no date. - 27. ISO IL 00 17 11 98, Common Policy Conditions, B. Changes
“The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.”
forms.nationwideexcessandsurplus.com, accessed October 12, 2026 - 28. Utah Code 31A-22-302.5, named driver exclusions
“A policy of personal lines insurance or combination of personal lines policies purchased to satisfy the owner's or operator's security requirement under Section 41-12a-301 may specifically exclude from coverage:”
le.utah.gov, accessed October 12, 2026. (2)(b) requires written consent of any named insured and the excluded person; (4) keeps the exclusion until the insurer removes it. - 29. 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
The owner wants to know which drivers and vehicles the policy actually covers
Policy symbols, employees sharing company vehicles, contractor drivers, a substitute vehicle and a newly acquired one: what the forms include and what has to be told to the insurer.
Elsewhere on the site
A check of the vehicles and drivers your policy covers
Text Redoubt your current declarations page with its endorsements, the year, make, model, body type and value of each vehicle and trailer and who it is titled to, every driver's name, date of birth and license number, your USDOT and MC numbers if you have them, a paragraph on what the business does and how the vehicles are used, and the date any change has to start. We will talk through what the policy covers now and what it is missing.
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.