Personal Auto Business Use Exclusion. Although some lawyers believe that in the right case with a victim with no access to insurance, the exclusion would be void up to the minimum limits, i have yet to see the appellate case saying. The employee’s personal auto policy (pap) extends coverage for most business uses of a covered auto.
The personal auto policy other business exclusion. The personal auto insurance policy should not be used to cover any liabilities created by a business. Simply put, your insurance isn’t going.
One of the most popular exclusions that insurance companies use to deny coverage for a consumer claim is the “business use” exclusion.
Issues such as physical damage done to vehicles used for commercial. For small businesses, the line between what is considered a personal vehicle and a commercial vehicle is often blurry.sometimes small business owners and employees use their. Auto policy delivery or business use exclusion held ambiguous. At a glance, many policyholders are shocked to see that the pap appears to exclude coverage for the use of any vehicle in the course of business other than farming or ranching.