Business Auto Insurance FAQs
What is "Drive Other Car" Coverage? |
Drive other car coverage provides liability, medical payments,
uninsured/underinsured motorist, and physical damage coverage for the
personal use of a non-owned automobile by the individual you wish to
protect. If an individual, for example, a company officer, does not
have their own personal auto policy, and drives a corporate car, you
would want to add this coverage to protect them from exposures such as
borrowing a neighbor's vehicle.
If your business is a sole
proprietorship, you should have the Individual Named Insured
endorsement attached to your business auto policy to provide you with
the same coverage. |
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Can other people drive my business vehicle? |
| Other people may drive your vehicle with your permission. It is
important that they be listed on your policy if they are regular
drivers of the vehicle. |
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Why does my private passenger vehicle have to go on my commercial policy? |
| If a private passenger auto (not a pick up or a van) is registered in
the name of a business, it needs to be covered under a business auto
policy. If the vehicle is registered in the individual's name, but is
used for business use, some uses may be covered under the personal auto
policy, the personal auto policy must be designated as business use. |
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