The protection provided under an individual's auto policy is for similar vehicles. The employer will also be named in a suit. There are too many options and details to provide all the answers here. In addition, all the answers aren't clear. For instance if an employee rents a car during a business trip, and waives coverage, but doesn't have a Personal Auto Policy, then that employee is renting without insurance.
Employers can buy endorsements to provide such coverage.
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