“Scheduled auto,” or any kind of “scheduled” insurance basically means that you give the insurer a list of things you want covered. If it’s not on the list, you’re out of luck in the event that a non-listed peril strikes or that a non-listed vehicle is struck. In the case of scheduled auto, you would need to provide a list of specific vehicles that would be covered under your policy.

“Any auto” coverage means that all vehicles used in the process of conducting company business would be covered under your policy. Because you, the business owner, can be sued for injury and damage caused by vehicles the company doesn’t actually own, you may want to consider “any auto” insurance.