Don't write this coverage so am just wanting to make sure I've got all the relevant points thought out to discuss with a potential client. Broad form as I understand it is best suited for maybe a farmer who has 10 vehicles and doesn't want to list them all because he maybe drives some of them once a year. Or for a single person who is driving a beater car and never would let anyone borrow it. Or maybe for someone with terrible credit & driving history. As I understand it Broad Form is extremely limited liability coverage - covers the named person only on any vehicle they drive (or own). But no physical damage coverage and no coverage if they let someone else drive their vehicle. Anything else I'm missing? Have a married client - husband is on Broad Form and wife is still insured under parent's policy (because they've not updated the company on that). I see gaps & holes & potentially declined claims all over the place.