What it does
Adds a scheduled amount of coverage for "custom equipment" over the $1,500 the PAP provides.
Who needs it
Owners of customized trucks and vans, including tradespeople with custom racks, lettering or graphics on a personally owned pickup.
Quoting and selling notes
- Tools and business property inside the vehicle are not custom equipment; they belong on an inland marine policy.
Business use notes for commercial agents
The PAP covers business use of private passenger autos, pickups and vans (Exclusion A.7 does not apply to them), but excludes the auto business (selling, repairing, servicing, storing or parking vehicles) for vehicles other than the insured's own covered auto, any vehicle used as a public or livery conveyance including time logged into a transportation network platform, and, for newly acquired pickups and vans, use for delivering goods unless incidental to an installing, maintaining or repairing business or to farming or ranching. Vehicles titled to or furnished by the business, heavier trucks and fleets belong on a commercial auto policy (CA 00 01), where "regular use" vehicles furnished by an employer are a common gap that PP 03 06 can fill.
Editions and availability
Current edition 09 18, replacing 01 09, 01 05. State adoption varies; many states use state-specific versions of the PAP endorsements.
