There also was no coverage for the claim made by the injured passenger against the coworker driver. A specific exclusion in the business auto contract states that there is no coverage for coworker claims. Some states have laws virtually prohibiting a claim by one person in a car against another person in the vehicle. On the other hand, such claims are permitted as a matter of law in some states. There is a problem with not providing employees with coverage from claims from coworkers.
Coverage is available to protect an employee from a claim by a fellow employee.
Fellow employee coverage can be added by endorsement. This endorsement very simply removes the fellow employee exclusion from the liability section of the business auto policy. In a fictitious example, Cindi used her car every day to pick up mail for her employer. She did not mind doing this because her employer had told her that their policy would protect her if she had a loss while doing this. On a very snowy morning she slid into an intersection and struck another car.