employee hired autos endorsement
This business auto policy (BAP) endorsement (CA 20 54) broadens physical damage
coverage provided to employees of the named insured who hire or rent cars in
their own names in the furtherance of their employer's business. It changes
the liability section's "who is an insured" provision to include such employees
and makes it clear that for physical damage coverage such autos are treated
the same as other hired autos—that is, deemed to be owned covered autos and thus
primary instead of excess. (The endorsement requires that hired auto coverage
for physical damage and liability be in place.)
Links for IRMI Online Subscribers Only:
CAI XIII.L