Commercial auto insurance provides vital financial protection for businesses. It's important to understand who is covered under an organization's policy.
At its most basic, the insured entity is the business that owns and operates the vehicle, but there may be additional individuals covered under a commercial auto policy. While it's important to review the policy documents for specific details, in general, a commercial auto policy may cover the following: 
- Named drivers when operating a covered vehicle
- Business owners driving the insured vehicle for business purposes
- Employees driving the insured vehicle for business purposes
- Volunteers driving the insured vehicle to benefit the business
How to Determine Who Is An Insured
To determine who is insured under a commercial auto policy, refer to the Business Auto Coverage Form included in the policy documents. Look for the section titled "Who Is an Insured." It typically includes three categories of insured individuals:
- The named insured or company listed on the policy
- Permissive users, who are individuals driving a covered vehicle with permission from the insured person or company
- Omnibus insureds, who are individuals who may be held vicariously liable for an accident caused by a permissive user or named insured
If you have concerns about your commercial auto insurance policy coverage, contact your agent promptly.
To obtain commercial auto insurance, reach out to the agents at Saratoga Insurance Brokers, serving the Westminster, MD area. They are ready to assist you in creating a tailored insurance plan for your business.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.