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... "errors or omissions" from this line of business amount to only around 6% of E&O claims, when they occur, they tend to be much larger than with other coverages. What could go wrong? Because writing Commercial Auto is not overly complex, you might question what could go wrong. However, as with any line of business, knowledge of the product – as well of your customer's exposures – is essential. A great starting point is using an Exposure Analysis Checklist, which will help enhance your knowledge of the exposures of your specific type of risk and provide the important questions you need to ask, such as: Are any officers, partners or employees furnished an automobile for personal use? Are owned vehicles used for towing special equipment (air compressors, concrete mixers, etc.)? Are operations periodic or seasonal, resulting in the lay-up of any vehicles for 30 consecutive days or more? Are any automobiles equipped with cellular telephones, two-way radios, citizens band radios, or similar devices? How many automobiles are parked in one location overnight? Does the applicant lease/rent vehicles to others with operators? What is the maximum/average radius of operation? Is there a hired/non-owned exposure? The symbol on the policy indicates what vehicles the coverage includes. The applicable symbols (expressed in numbers), range from "1 " to "9 ," with symbol "1 " being the broadest. This provides coverage for any auto. Thus, if your customer were to lease a vehicle for a particular job, ...