Which condition is necessary for rented vehicles to be covered under BAP?

For rented vehicles to be covered under a Business Automobile Policy (BAP), the rental agreement typically needs to be for a duration of 30 days or less. This time limit is crucial because it distinguishes between short-term vehicle rentals, which are generally included in coverage, and long-term rentals that may require separate considerations or coverages under different terms.

The BAP is designed to provide coverage for vehicles you own or regularly use for business purposes, which can include rentals as specified by the policy's terms. When the rental period exceeds 30 days, additional coverage may be required, or the policy may not extend to that vehicle, depending on the specifics outlined in the insurance contract.

In contrast, the other options do not accurately reflect the necessary conditions for coverage. Ownership of a personal vehicle is not a requisite for coverage under a BAP; rather, it focuses on the context and use of the rented vehicle. Similarly, while business usage is typically expected for coverage under BAP, the limitation on the rental period is more definitive in establishing eligibility for coverage. Additionally, coverage does not limit itself only to the primary driver; it usually extends to other authorized drivers as well, assuming they meet the policy criteria.