If an employee rents a car on a business trip, is this a Symbol 8 (hired) or Symbol 9 (nonowned) exposure? Under an unendorsed BAP, it depends on who is technically hiring the auto...the employer or the employee. This governs whether the employer and employee are covered or not under the BAP. In addition, if the employee has a PAP, which is primary, the PAP or BAP? To learn more about this problem (and a solution), keep reading....

​