Florida Insurance Claims Adjuster License Practice Exam

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Which businesses does the Business Auto Coverage Form insure?

  1. Only garage or trucking businesses

  2. All businesses other than garage or trucking businesses

  3. Only businesses involved in automobile retail

  4. Businesses without any vehicle exposures

The correct answer is: All businesses other than garage or trucking businesses

The Business Auto Coverage Form insures all business besides garage or trucking businesses because garage businesses are insured under the Garage Coverage Form and trucking businesses are insured under the Motor Carrier Coverage Form. Option C is incorrect because the Business Auto Coverage Form does not solely insure businesses involved in automobile retail, it is intended for all businesses with vehicle exposures. Option D is incorrect because the whole purpose of the Business Auto Coverage Form is to insure businesses with vehicle exposures.

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