Family Drivers on a Dealer Policy

[inspm12]

Good Morning,

When dealing with your common carriers, how do the majority treat family members as drivers on a dealers policy? Would they be scheduled as a Class II? Not scheduled at all? Limited liability? Or have you seen any additional options such as flat fees per non-employee, etc.? Thank you for your help!

 

[Scottyj]

Most carriers are not fond of personal use on dealership coverage. You will want to make sure you are very clear in your application of insurance that this will take place. If the carrier will allow it they will then be scheduled and rated drivers along with you and any other employees who are driving.