What it does
Restores coverage that the public or livery conveyance and regular-use exclusions would otherwise remove for vehicles furnished to the insured for that use.
Who needs it
Drivers who operate taxis, limousines or similar vehicles owned by others.
Quoting and selling notes
- The vehicle owner's commercial auto policy remains primary in most cases.
Business use notes for commercial agents
The PAP covers business use of private passenger autos, pickups and vans (Exclusion A.7 does not apply to them), but excludes the auto business (selling, repairing, servicing, storing or parking vehicles) for vehicles other than the insured's own covered auto, any vehicle used as a public or livery conveyance including time logged into a transportation network platform, and, for newly acquired pickups and vans, use for delivering goods unless incidental to an installing, maintaining or repairing business or to farming or ranching. Vehicles titled to or furnished by the business, heavier trucks and fleets belong on a commercial auto policy (CA 00 01), where "regular use" vehicles furnished by an employer are a common gap that PP 03 06 can fill.
Editions and availability
Current edition 09 18, replacing 01 05. State adoption varies; many states use state-specific versions of the PAP endorsements.
