Personal Auto Policy with employees

"Biggest problem I'm seeing is PAP policy has no duty to defend the LLC, and why would he risk the personal exposures?"

If it's an ISO PAP, here are the insureds for liability:

"Insured" as used in this Part means:

1. You or any "family member" for the ownership, maintenance or use of any auto or "trailer".

2. Any person using "your covered auto".

3. For "your covered auto", any person or organization but only with respect to legal responsibility for acts or omissions of a person for whom coverage is afforded under this Part.

4. For any auto or "trailer", other than "your covered auto", any other person or organization but only with respect to legal responsibility for acts or omissions of you or any "family member" for whom coverage is afforded under this Part. This Provision (B.4.) applies only if the person or organization does not own or hire the auto or "trailer".​

#3 would be the LLC for its vicarious liability for the named insured and permissive users.
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