When an employee is driving his own vehicle on company business which policy responds if there is an accident?
Many employees will sometimes take their own vehicle to a job site or use their own vehicles to run errands for work. Many people think that by having a symbol 1 for liability coverage, their employees are covered no matter what vehicle they use on company business, but thats not true. Symbol 1 will cover you as the employer against the nonownership exposure, but it does not protect the employee while using his or her auto on company business. In the event of a claim, the employees personal auto policy will be the only coverage he/she has. Liability protection can be extended to the employee through the Employees as Insureds Endorsement (CA9933). This is a standard endorsement on all Telcom policies. Liability coverage under this endorsement is excess over any other valid and collectible insurance. NOTE: The Employees as Insured Endorsement (CA9933) DOES NOT provide any physical damage coverage for the employee owned vehicle.
