The BAP will not provide any liability coverage for the insured either. The care, custody, or control exclusion in the liability coverage section of the BAP applies to property damage to property in the insured's care, custody, or control.

The insured can consider using symbol 8 (hired autos) in the future in the event he continues to rent cars on business trips. Symbol 8 describes covered autos as those autos that the named insured leases, hires, rents, or borrows, and if an insurer will allow the use of symbol 8 for physical damage coverage, that symbol will extend coverage to rental vehicles for the insured. Or, the insured might want to consider his personal auto policy (PAP). That policy provides coverage for physical damage loss to nonowned autos, and that includes rented autos which are autos that are not furnished or available for the regular use of the named insured. Of course, that is standard PAP language, so you may want to check the insured's PAP to see exactly what it says about coverage for damage to rented cars.