Usually yes, as an endorsement rather than a separate policy. It commonly attaches to a commercial auto policy, and on smaller accounts to a general liability or business owners policy. The version attached to a liability policy is often narrower, so compare the wording rather than assuming they are equivalent. One thing no version of it includes is damage to the vehicle itself. Hired auto physical damage covers a rented vehicle and is added separately, and an employee’s own car stays on the employee’s own policy.
Related FAQs
They protect different people, which is the part usually missed. A personal auto policy covers the driver and their own vehicle, and it does reach most ordinary business driving. ...
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Yes, because the exposure is created by the errand, not by how often it happens. One trip to the bank or one delivery run is business use, and an ...
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