Are all employees covered under a commercial auto insurance policy?

Typically, commercial auto insurance covers employees who are specifically named in the policy or who are designated as "permissive users." Permissive users are employees who have the business's permission to operate a covered vehicle for business purposes. However, coverage may not extend to employees who use company vehicles for personal reasons without permission.

It's essential for businesses to clearly define who is authorized to drive company vehicles and ensure that their insurance policies accurately reflect these designations. If an employee is involved in an accident while using a company vehicle for business purposes, the insurance policy should provide coverage for liability, property damage, and potential injuries, subject to the policy's terms and limits.