Commercial auto is deceptively simple until a covered-auto symbol changes. A renewal that moves liability from symbol 1 (any auto) to symbol 7 (specifically described autos) narrows coverage dramatically — and it looks like a one-character edit on the declarations.
BindCheck diffs the prior CA policy against the renewal: covered-auto symbols by coverage, combined single limits, and the endorsements that decide how the policy actually responds — hired and non-owned, drive-other-car, waiver of subrogation.
What changes on a commercial auto renewal
The covered-auto symbols and the endorsement schedule carry the risk. We flag:
- Covered-auto symbol changes by coverage line (liability, physical damage, medical payments, UM/UIM) — the most consequential and least visible auto renewal change.
- Combined single limit vs. split limits, and any reduction from prior.
- Hired- and non-owned-auto liability present last term but missing this term.
- Drive-other-car and additional-insured endorsements on the schedule.
- UM/UIM limits and any change relative to the liability limit, which carries state-specific selection/rejection implications.
The endorsement schedule, compared
The CA endorsement schedule (form numbers and edition dates) is diffed against the prior term so a dropped hired/non-owned or a changed additional-insured form surfaces immediately rather than at the first accident.
Human-in-the-loop on the non-standard
Fleet endorsements, carrier-specific auto forms and manuscript language are flagged for your review — the deterministic diff handles the standard forms, and the judgment calls stay with you.