Symbols 8 and 9 of a business automobile policy offer which two types of coverage?

• A. Hired automobile
• B. Nonowned automobile
• C. Both hired automobile and nonowned automobile
• D. Owned automobile

Answer: (C)

These symbols cover two kinds of vehicles you don’t own but use in business. A hired auto is a vehicle you rent or hire for company use, while a nonowned auto is any vehicle not owned by the business that you use for work (such as an employee’s personal car or a borrowed vehicle). Symbol 8 applies to hired autos and symbol 9 to nonowned autos, so together they provide coverage for both categories. This is why the best answer includes both types—because a business often relies on both rented and non-owned vehicles, and each category needs protection under the policy. For owned vehicles, a separate symbol covers those, so relying only on owned-auto coverage wouldn’t protect these other vehicles.