To be considered for this exception you will need to have business use coverage on your personal auto policy.

Personal auto business use exclusion. The insured warrants that the vehicles. Use this checklist to help determine which type of policy fits your needs. Personal Auto Policy Number.

However the three remaining exclusions specifically relate to the business use exposure that is the subject of this article. How do you use your vehicle. Interpreting the business-use exclusion a federal district court applying Michigan law and the Michigan Court of Appeals issued opinions favorable to personal auto carriers doing business in the state.

But this is an exclusion to bodily injury to the employee not the liability arising from the employees use of the vehicle. That being said personal auto insurance companies do not want employees driving your vehicle. What Kind of Business Auto.

Intentional damage orand injury. Emergency transportation eg using your personal vehicle as a tow truck Renting out your vehicle to others. You might have noticed above that there is an exclusion to bodily injury to an employee under the personal auto policy.

This exclusion does not apply if business use of the insured auto has been declared and a premium charged prior to the loss A similar exclusion applies to physical damage claims. By informing your insurance agent that you use your car for business they can verify or add a designation to your policy to cover this type of driving. While there is no specific exclusion on the Business Auto Coverage Form CA0001 for personal use of company vehicles there may be exclusions andor conditions in the policy limiting both the use and the storage of these vehicles.

Four business-use exclusions are found within Part A Liability of Insurance Services Offices ISOs personal auto policy PAP. According to most personal auto insurance policies an accident or loss in the process of business use is excluded. The first is a workers compensation exclusion not related to the subject of this article.