Personal Autos Used in Business

Overview

When employees use their personal private passenger vehicles in an employer’s business, both the employee and the employer face exposures. This course looks at insurance coverage for such situations as well as car sharing, ridesharing, employee rental of an auto for business use, autos owned by an individual but insured under a BAP, autos used in the auto business, and renting out one’s motorhome. 

Learning Objectives

Upon completion, students will be able to:

  • explain the extent of coverage provided by standard PAP and BAP policies for employees’ use of their personally owned private passenger autos
  • explain the extent of coverage provided by standard PAP and BAP policies for employees’ use of company cars
  • describe appropriate ways of modifying both the PAP and BAP for situations involving the employees’ use of personally owned private passenger autos and company cars
  • describe the PAP and BAP coverages and coverage options available for other situations where personal vehicles may be used for business purposes

Designed For

Property and casualty insurance agents, brokers, and adjusters at any level in their career
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