Choices include:

* only the ***listed autos (scheduled***) on the application
* all "owned autos" - This covers both the vehicles scheduled on the policy and also any others that might be acquired during the term of the policy (and temporary substitute autos). There is no extra initial premium for this.
* any auto - This is the broadest coverage available. It covers autos scheduled, autos later acquired, autos hired (or leased or borrowed) and autos not owned by the business but being driven by an employee on company business. There is an extra premium charge for the inclusion of hired and non-owned autos.
http://www.luhn-mccain.com/products_business.asp

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Note added at 18 hrs (2006-01-25 13:39:58 GMT)
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"This covers both the vehicles ***scheduled on the policy*** and also any others that might be acquired during the term of the policy (and temporary substitute autos)."

"Building coverage provides protection for permanent structures ***listed*** on the policy."