What Is Drive Other Car Insurance? Drive Other Car Insurance, often called DOC insurance, is an optional add-on to a commercial auto insurance policy. It is designed to provide coverage for business owners, company executives, and their spouses when they drive a vehicle that the company does not own. This could include rented or borrowed cars.
This coverage is especially useful for businesses that offer company-owned vehicles to employees or management for personal use. Instead of requiring every user to purchase their own insurance, this endorsement offers a convenient way to extend liability protection.
Why Businesses Might Need It
If your employees, partners, or managers sometimes drive vehicles that are not listed in your business policy, this insurance can offer important protection. It helps cover costs related to accidents, injuries, or property damage when driving a non-company vehicle.
It is especially valuable for:
- Company executives who use borrowed or rented vehicles
- Employees who test drive or temporarily operate vehicles not owned by the business
- Spouses of executives who may use non-company cars for personal errands
Without this endorsement, accidents involving non-owned vehicles could leave your staff or your business exposed to financial risk.
How Drive Other Car Insurance Works
Drive Other Car Insurance applies to the individuals specifically named in the policy. This usually includes company owners, managers, and their spouses. It does not cover all family members or employees automatically.
The coverage typically includes:
- Liability protection for injuries or property damage
- Medical payments coverage in case of injuries
- Uninsured or underinsured motorist protection
- Physical damage coverage for the non-owned vehicle, depending on the policy
Keep in mind, the coverage limits and deductibles set in your main policy will also apply to this add-on.
Who Should Get DOC Coverage?
Drive Other Car Insurance is an optional add-on to a commercial auto policy that covers company executives or their spouses when they drive vehicles the business does not own, such as rented or borrowed cars. This endorsement is ideal for:
- Corporations or partnerships that own company vehicles
- Business owners who lend vehicles to employees
- Managers who occasionally rent or borrow cars for business or personal reasons
If your company has no employees or rarely deals with non-owned vehicles, you likely do not need DOC coverage.
Drive Other Car Insurance Limitations and Requirements
Drive Other Car Insurance provides liability protection and ensures they are insured even outside of company-owned vehicles. This is especially useful for businesses that regularly allow key staff to use non-company vehicles. There are a few things to know about eligibility:
- Only corporations or partnerships can add this endorsement
- It applies only to company executives, partners, and their spouses
- The vehicles used must not be owned by the company
- Covered individuals must be listed by name in the policy
Without this endorsement, your business auto policy may not offer any protection when someone drives a non-company vehicle.
