Suppose an employer borrows an employee's car to make a local delivery because his auto is in the garage being repaired. While on this trip in the employee's car, the employer has a wreck and the employee has no collision coverage.

Naturally, the employer feels responsible for the damage to the employee's car. But, we can find no way that the coverage is provided by the business auto policy (BAP). Even if the employer has purchased hired auto physical damage on an “if any” basis, the exclusion in the symbol 8 description says that it does not include employees' autos.

This is fairly complicated, but also I think fairly common, and we have had an actual situation occur. We would appreciate your comments.