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.
Although it depends on your insurance, the driver is covered if driving with your permission.
This question does not make sense but looking at the gist if it I would definitely sat that the answer is no. Covered for what exactly? You get permission "from" not "with".
If you gave permission then it should be covered.
In NY it is any driver that is driving the car with the owner's permission.
If you are asking about the automobile insurance policy, it depends on the specific policy. Most policies include protection when driving another vehicle as long as it is with permission of the owner.
As long as you are sure they have insurance and if you are listed as a drive on such insurance policy. If these cases are both yes then you will be covered under their insurance as long as you have permission to drive the vehicle.
99% of all insurance companies will cover such situations.
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
You would be covered by the insurance on your friend's car if you are driving it with their permission. To be safe, get the parents' permission, not just your friend's. It may be that your friend can't give a legally binding permission.
No way! The insurance certificate specifies who may drive. It will not include unlicensed drivers! Even a licensed driver, but driving without the owner's permission will not be covered by the car owner's insurance.
Only if your insurance policy includes driving in Ireland.