What does Symbol 3 in Commercial Auto Insurance cover?

Symbol 3 in Commercial Auto Insurance specifically pertains to liability coverage for owned private passenger autos. This means that vehicles classified under this symbol are those that are primarily used for business purposes but are designed as private passenger vehicles. This distinction is important because private passenger autos typically have different liability limits and coverage considerations compared to vehicles classified as light trucks or heavier commercial vehicles.

The coverage under Symbol 3 ensures that businesses are protected from liability claims that may arise from the operation of these specific types of vehicles. This is essential in a commercial context where employees might use company cars to conduct business-related duties such as meetings or deliveries.

Understanding the specific symbols used in commercial auto insurance helps adjusters identify the type of vehicle and the level of coverage applicable, ultimately ensuring that businesses maintain adequate protection.