What endorsement would Frank need to include his front-loader as an "auto" under his BAP?

To classify Frank's front-loader as an "auto" under his Business Auto Policy (BAP), he would need a Mobile Equipment endorsement. The reason for this is that typical Business Auto Policies exclude certain types of vehicles that are primarily designed for use off-road, such as construction equipment and machinery.

A Mobile Equipment endorsement modifies the policy to include specified types of equipment that are not considered conventional automobiles but are used in business operations. By obtaining this endorsement, Frank can ensure that his front-loader, though classified as mobile equipment, is covered by the auto policy for the purposes of its use, liability, and potential damages associated with it.

This endorsement allows vehicles like front-loaders, which are inherently designed for construction and earth-moving purposes, to be insured alongside standard vehicles, thus providing the desired coverage while adhering to the specifications set by insurance providers.