Drive Other Car Coverage (DOC) is an optional endorsement that can be added to a Business Auto Policy (BAP). It extends liability—and sometimes physical damage—coverage to certain individuals, typically business owners or executives, when they drive non-owned vehicles such as personal or rented cars.
At Haughn Insurance, we often recommend this coverage for business leaders who rely on company vehicles but don’t maintain a separate personal auto policy. It ensures protection follows you wherever you drive.
What It Covers
Drive Other Car Coverage allows a named individual (and often their spouse) to have personal-auto-type protection under the company’s Business Auto Policy when driving:
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A non-owned private passenger vehicle (not owned, registered, or furnished for their regular use by the company).
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For personal use — not just business use.
Without this endorsement, a business owner who only carries a BAP (and no personal auto policy) might have no coverage when driving a personal or borrowed car.
Who Needs It
This coverage is especially valuable for:
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Business owners or executives without a personal auto policy.
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Corporate officers furnished with company vehicles but who occasionally drive other cars (such as rentals or family vehicles).
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LLCs or corporations that own all vehicles in the company’s name but want personal-use coverage for key individuals.
Key Features
| Feature | Explanation |
|---|---|
| Liability Coverage | Extends the BAP’s liability protection to the named person when driving a non-owned car. |
| Physical Damage (Optional) | May include comprehensive and collision for those non-owned vehicles. |
| Medical Payments / UM / UIM | Can often be added to mirror a personal auto policy. |
| Named Individuals Only | Applies only to those specifically listed in the endorsement (and usually their spouses). |
What It Does Not Cover
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Employees not listed on the endorsement.
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Vehicles owned by the business or available for the insured’s regular use.
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Commercial-type vehicles (like trucks) unless specifically endorsed.
Example
ABC Construction, Inc. owns all vehicles under a Business Auto Policy. The owner, Jane, does not have a personal vehicle or a personal auto policy. If Jane borrows a friend’s car for a vacation and causes an accident, she would have no coverage under the company’s BAP—unless ABC added a Drive Other Car Coverage endorsement naming her.
Why It Matters
For many business owners, your company car and your company’s insurance are your main source of protection. DOC ensures that coverage doesn’t stop when you step into another vehicle.
At Haughn Insurance in Dublin, Ohio, we help business owners identify potential coverage gaps like this—so your personal and professional assets stay protected wherever the road takes you.
