This commercial auto endorsement (CA 99 47) may be used to afford
coverage on a primary basis on an auto that is owned by an employee
of the named insured and is described on the endorsement. The described
auto will be considered a covered auto the named insured owns and
not a covered auto the named insured hires, borrows, or leases.
The difference is important because, under the CA 99 47 endorsement,
the policy would provide primary coverage for those vehicles. An
unendorsed commercial auto policy would only provide excess coverage.
Links for IRMI Online Subscribers