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 accident on it can reach the business as well as the driver. California adds to this, since Labor Code 2802 requires reimbursement for mileage driven in the course of the job, which documents that the trip was work. Hired and non-owned auto is priced off the scale of that use, so light or occasional use is generally not expensive to cover.
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. ...
It depends on who owns the vehicle relative to the named insured. Hired and non-owned auto is built for vehicles the business does not own, so an employee’s personal ...
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 ...
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