Which form is used to insure businesses that are hired to transport goods for someone else?

• A. Truckers Coverage Form
• B. Garage Coverage Form
• C. Business Auto Coverage Form
• D. Personal Auto Policy

Answer: (A)

The key idea is that trucking operations—businesses hired to transport goods for others—need a form that specifically covers the risks of moving cargo and operating as a motor carrier. The Truckers Coverage Form is designed for motor carriers and for-hire trucking operations, addressing liability for transporting goods and often cargo protection for the items in transit.

Standard Business Auto Coverage Form covers typical business use of vehicles but doesn’t tailor to the trucking exposures involved in transporting goods for others, such as cargo in transit and hired/non-owned vehicles in a for-hire operation. The Garage Coverage Form is aimed at dealerships, repair shops, and similar businesses, not at transporting goods. The Personal Auto Policy is for individuals’ private vehicles, not business operations.

So, the form used to insure businesses hired to transport goods for someone else is the Truckers Coverage Form.