Which of the following is not considered "mobile equipment" under the business auto policy?

The term "mobile equipment" within the context of a business auto policy typically encompasses vehicles and machinery that are not primarily designed for use on public roads but serve specific functions, particularly in construction, agriculture, or similar industries. The correct identification of what constitutes "mobile equipment" is crucial because it affects coverage under an insurance policy.

The self-propelled vehicle with permanently attached street-cleaning equipment is indeed classified as mobile equipment. This is because it serves a specific function beyond standard transportation and is designed to perform work rather than being used predominantly on public roadways. The key aspect of mobile equipment is that it often operates in specific settings, like construction sites or other areas where vehicles are utilized for their functional capacity rather than as a means of transport.

In contrast, the other options involve equipment and machinery that do not align with the common understanding of mobile equipment in the same context. Temporary machinery used for construction work does not typically fall under the category of vehicles, but instead refers to equipment used for a limited duration. Watercraft, while mobile, is specifically excluded under most auto policies because it pertains to a different category of transportation altogether. Lastly, forklifts used in a warehouse are considered mobile equipment in practice, as they are designed to move within a