Extended Non-Owned Liability
This endorsement adds liability coverage (and optionally, Medical Payments) for anon–owned automobile which is furnished or available for the regular use of the person, for using all types of non–owned autos in business, and for using non–owned autos when carrying persons or property for a fee.
If you are allowed the use of a company car, this is important coverage. Since the Personal Auto Policy (PAP) EXCLUDES coverage for this type of vehicle…one that is furnished and available for your regular use, you need this coverage. It’s inexpensive and would allow the PAP to provide coverage if you were invovled in an accident with the company car.
It doesn’t really matter how you are uaing the car, except that if an accident happens during the work day and is work related, chances are good that it will fall under the Business Auto Policy (BAP). BUT, if you are sued, with the ENO PP 03 06 endorsement added to your policy, you’re protected.
For under $50 why would you not add this coverage?