Define who is an insured 'you' is in BAC?

• A. The named insured shown in the Declarations
• B. The owner of the business
• C. Any resident of the household
• D. All drivers who operate a covered auto

Answer: (A)

In Business Auto Coverage, the term you refers to the named insured shown on the Declarations. This is the entity the policy is issued to and whose rights and duties under the contract are defined by the policy language. It isn’t about the business owner in general, nor about every resident of a household, and it doesn’t automatically include all drivers. The drivers or employees can be insured under the policy in other ways, but the baseline definition of you is the named insured listed in the Declarations. If endorsements add other named insureds, they become you under the policy as well, but the core reference remains the person or organization named in the Declarations.