What it does
CA 05 24 extends non-ownership liability coverage to the individual liability of volunteers while they use their own autos and other covered non-owned autos in connection with the named insured's business. The Massachusetts residual market manual (Rule 27) lists it, alongside CA 05 25, as the endorsement to use when non-ownership coverage is extended to volunteers. It is new with the 11 20 multistate revision.
Who needs it
Organizations whose volunteers drive their own cars to deliver meals, transport clients or members, run errands or staff events.
Key points
- Without an endorsement, a volunteer driving his or her own car is not an insured under the business auto form; only the organization's vicarious liability is covered through symbol 9.
- Social service agencies transporting clients can use CA 99 34 Social Service Agencies – Volunteers As Insureds instead.
- Coverage for the volunteer is generally excess over the volunteer's personal auto insurance.
Quoting and selling notes
Rating manuals price the extension under their non-ownership liability rules. Collect the number of volunteers who drive, typical trip purposes, and whether the organization checks licenses and personal insurance.
