What does symbol 19 indicate on a business auto policy (BAP)?

The symbol 19 on a business auto policy (BAP) specifically indicates "mobile equipment subject to compulsory insurance." This means that the coverage extends to certain types of vehicles that may not be traditionally considered "autos" under the policy, but which are required to have insurance under state law.

In many jurisdictions, certain pieces of mobile equipment, such as construction machinery or similar vehicles that are not normally licensed for highway use, still fall under insurance requirements when they meet specific criteria. Symbol 19 provides the necessary coverage for these instances, ensuring that businesses are compliant with legal mandates while also protecting them financially against potential liabilities associated with the operations of such equipment.

The other choices focus on more traditional vehicles or non-vehicle scenarios, such as commercial vehicles or personal use of vehicles, none of which align with the specific designation and purpose of symbol 19 in the context of a business auto policy.