Your employee’s personal policy will not cover a work trip. Yours is the one that gets sued.

The caregiver’s personal auto policy defends the caregiver. The agency is named anyway, and has nothing responding.

Delivery drivers in their own cars leave the restaurant named in the suit with nothing responding: the exposure that makes delivery hard to place at all.

Staff driving residents to appointments in their own cars leaves the facility named and nothing responding.

A custom harvester or a neighbor's truck moving your crop is a vehicle you do not own doing your work, and it is outside the farm auto policy unless this is on it.

Hot shot operators routinely use a personal pickup for errands between loads, which is exactly the gap this closes.

Rented or borrowed trucks used to cover a peak are not on your schedule.

Rented vans and any personal vehicle used for the work are outside the owned schedule.

Owner-drivers and vehicles brought in to cover peaks sit outside the owned schedule.

Vehicles brought in by drivers, or leased out to them, sit outside the owned schedule without it.

The dispatcher’s name is on the booking. When the affiliate’s vehicle crashes, the suit names the company the client hired.

The client booked you. When the borrowed bus crashes, the suit names you.

The corporate client contracted with you. When the affiliate’s car crashes in another city, you are the name on the suit.

The school signed with you. When the farmed-out coach crashes, the district’s lawyer names the company on the contract.

Staff driving their own cars between homes, schools and clinics are uninsured for the business use the moment their personal insurer learns of it.

Staff using personal cars to transport or visit consumers are unprotected without it.

Therapists driving their own cars between campuses and homes are on business use their personal insurer did not agree to.

Home-visiting therapists drive their own cars to clients all day.

In-home behavioral staff drive their own cars to clients continuously.

Nurses drive their own cars between clients, hotels and surgical centers.

Rented trucks and staff vehicles used on a busy weekend are not covered by the fleet policy that lists your own units.

Staff using their own vehicles between assignments create an exposure no fleet policy lists.

Consultants driving their own cars to client sites are the classic uncovered claim: the business exposure personal auto quietly refuses.

A rented box truck for a busy weekend is still your vehicle exposure, and most venues ask for auto liability on the certificate.

An editor or assistant driving to a shoot in their own car is a claim against the business, not against their personal policy alone.

The crew car, the editor’s car, the rental at the airport, driven on the channel’s business, claimed against the channel.

The truck, the trailer and the rental driven to a shoot on the channel’s business, claimed against the channel and not only against the driver.

A second shooter driving to the venue in their own car is your liability on the way, and the personal policy on that car was not rated for it.

The most under-bought coverage in the sector: volunteers drive constantly, their personal policies exclude it, and the organization is the deep pocket.

The most common structure in this trade and the most common gap.

Personal auto excludes business use, and this is business use all day.

The single coverage that makes delivery hard to place at all, and the one most standard carriers will not attach once you disclose it.

Brand requirements in this trade run well above $1M, and a policy that stops short is a breach of the agreement as well as a gap.

Personal auto policies exclude the trip, and the congregation is the party with assets.

Transport is constant, personal policies exclude the trip, and the organization is the defendant.

Collection and delivery runs are constant, and personal auto policies exclude them.

Team travel is the highest-severity thing a league does, and it is done in private cars.

Collection and delivery is constant in charity retail, and personal policies exclude it.

The driver’s personal policy is primary and limited; the agency is the party with assets and the one that gets sued.

The driver’s personal policy answers for the driver. Your agency is named in the suit and has nothing responding.

The agency is named in the suit and the caregiver’s personal policy defends only the caregiver.

The personal auto insurer learns the trip was paid work, and the agency is named with nothing responding.

The house is named in the suit and the driver’s personal policy defends only the driver.

The employee’s personal policy answers first and runs out fast. The clinic is the defendant with the assets.

Transport happens daily, often at night and under stress, and the agency is the defendant if it goes wrong.

The exposure that grows fastest as a mobile service scales, and the one least often bought.

The customer’s own auto policy insures the customer. It was not written to defend your business for what your employee did behind the wheel, and their insurer will look for you.