Which of the following lists the four coverage forms used in commercial auto insurance?

• A. Business Auto Coverage Form, Business Auto Physical Damage Coverage Form, Garage Coverage Form, and Motor Carrier Coverage Form
• B. Homeowners Coverage Form, Personal Auto Policy, Commercial Property Coverage Form, and Farm Coverage Form
• C. Hired Auto Policy, Nonowned Auto Policy, Personal Auto Policy, and Liability Auto Policy
• D. Garage Coverage Form, Homeowners Coverage Form, Personal Auto Policy, and Aircraft Coverage Form

Answer: (A)

In commercial auto insurance, coverage is organized around four standard forms that address different business vehicle needs. The four forms are:

• Business Auto Coverage Form, which provides liability coverage for the use of autos owned or leased by the business.

• Business Auto Physical Damage Coverage Form, which covers physical damage to those business vehicles from events like collisions or vandalism.

• Garage Coverage Form, designed for businesses such as auto dealers, repair shops, and service stations that handle customers’ vehicles as part of their operations.

• Motor Carrier Coverage Form, used for businesses that transport goods or passengers as a core part of their operations and are subject to motor carrier regulations.

This combination directly reflects the typical commercial auto risk areas. The other options mix in homeowners, personal auto, farm, or aircraft coverages, which are not part of the standard commercial auto forms, so they don’t align with how commercial auto risks are typically structured.