Glossary

Broad form named operator policy

A low-cost liability policy that covers one named driver in any car they drive, rather than covering a particular car and its drivers.

Also called: BFNO, broad form policy, named operator policy, broad form insurance

A broad form named operator policy, often shortened to broad form or BFNO, is a liability policy that follows a single named driver instead of a vehicle. It covers that person while driving cars they own and, in most versions, cars they borrow, but it covers no one else, not even a spouse or other household member who drives the same car.

Because it insures one driver, usually at state minimum coverage limits, it can cost less than a standard policy. It is sold in only some states, mainly to drivers who need proof of financial responsibility, often with an SR-22 filing, and who want the cheapest legal option.

The trade-offs are significant. Broad form policies typically provide liability coverage only, with no collision or comprehensive for your car, and they pay nothing if anyone other than the named driver is behind the wheel. If you lend your car to a friend, that friend may be driving uninsured, and you could face liability as the owner. If you do not own a car at all, compare a non-owner car insurance policy; if one risky household member is the problem, compare a standard policy with an excluded driver. Ask the insurer exactly which vehicles and drivers are covered before you buy.

Last reviewed October 4, 2026

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Related terms

Named driver policy A car insurance policy that covers only the drivers specifically listed on it, rather than anyone who borrows the car with permission. SR-22 A form an insurer files with the state to certify that a high-risk driver carries the required liability coverage, often for about three years. Minimum coverage The least car insurance a state lets you carry to drive legally, usually liability coverage at set limits and sometimes PIP or uninsured motorist coverage. Non-owner car insurance Liability coverage for people who drive but do not own a car, often bought to keep coverage continuous or to carry an SR-22 filing. Excluded driver A specific person listed on a policy as not covered to drive the insured cars, often used to keep a high-risk household member from raising premiums.

Related guides

Non-owner car insurance: who needs it and how it works Non-owner car insurance gives drivers without a car their own liability coverage. Learn who needs it, what it covers and excludes, and how it handles an SR-22.

Related insurers

Warrior Insurance Network Chicago-area group behind First Chicago, United Security and West Virginia National, selling auto policies through independent agents in about 15 states.