Drive Other Car Endorsement

The drive other car endorsement solves a specific gap created by company-provided vehicles. A standard business auto policy covers autos the company owns, hires, or does not own when used in the business, but it does not cover an executive's personal use of a car that belongs to someone else. An owner or officer who drives a company car full-time and never buys a personal auto policy is therefore uninsured the moment they rent a car on vacation or borrow a friend's vehicle. The DOC endorsement names those individuals and restores the coverage a personal auto policy would normally provide.

For a small-business buyer, this endorsement protects the very people who run the company. It can extend liability, and optionally medical payments, uninsured motorist, and physical damage, to the scheduled individual and typically their spouse or resident family members. Because the endorsement follows the person rather than a specific vehicle, it responds across the different non-owned cars they might drive personally. Without it, a single at-fault crash in a rented car could expose the executive's personal assets, since neither the business auto policy nor any personal policy would answer the claim.

A key nuance is who qualifies. DOC is meant for a named insured who does not own a personal automobile; it will not cover a vehicle actually owned by the scheduled person or by their household, and it applies to the individuals listed, not to every driver. It is distinct from ordinary permissive use under the company's own business auto symbols, which governs who is insured while driving the company's vehicles. Match the schedule to the actual executives to avoid a surprise coverage denial.