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Answered 2015-07-16 19:31:31

The business auto policy only covers the named entity, which is the business. It should be clearly noted that employees and others driving the vehicles are NOT covered by the unendorsed commercial auto policy. You can purchase this additional special coverage by endorsement (Called employee as insured endorsement).

When an auto insurance claim happens, the claimant may sue many people. The city that the accident occured in if there were city infrastructure involved, the driver personally, the business, or more than likely all of them. In this scenario, the business has coverage but the other parties don't. Their personal auto insurance however, may come to bat for them on the liability coverage.

The standard Commercial Auto Policy lists the following as Insureds: 1. The Business (that owns the vehicle) 2. Anyone using the vehicle with Insured's permission. The owner of the business has authority to extend permission to use the vehicle. They can extend the authority to officiers, employees, family, friends, vendors (like people servicing the cars) or anyone else they choose. The important issue is that permission is extended. The Commercial Auto Policy will protect the company and anyone driving the car with permission. The answer then is yes, a non-employee is covered while driving a commercial vehice, so long as he did not steal (he did not have permission) the car.

Depending on the state you are in as well as what type of commercial vehicle and what your carrier requires, you may or may not be covered. If your carrier requires you to have an MVR run on each driver before approving them to drive the vehicles, then NO, you would not be covered. If you do not have to submit a list of each driver you employ then you should be covered.

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