Under the business auto coverage form, would permanently attached equipment be included in a covered auto as equipment? The situation we have is a welder being permanently installed in the bed of a 2000 Ford F-350 pickup truck.

Indiana Subscriber

As for physical damage coverage, yes, this would be considered as auto equipment. There is no definition of equipment on the auto policy and since the welder is to be permanently attached, it would be considered as equipment belonging to the auto. It makes no difference if the equipment originally comes with the auto or is attached at a later date.