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employee as lessor endorsement

The employee as lessor endorsement, a 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.

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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.


CA 99 47