Employers Non-ownership Automobile Liability coverage
pro-rates with any coverage available to the employee. |
includes coverage for both the employer and the employee. |
does not apply to automobiles owned by the employer. |
does not apply to automobiles owned by employees. |
Non-ownership Automobile Liability involves situations when an employee's personal car is used in the service of the business. If an accident occurs, injured parties may sue you, the employer and/or the employee for injuries and damages. The non-owner policy form of commercial automobile liability policy protects the employer and employee for bodily injury and property damage liability. Coverage is in “excess” of the personal automobile coverage on the vehicle that was in the accident.
there fore option B is correct
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