What it does
CA 20 56 provides that the Fellow Employee Exclusion under Covered Autos Liability does not apply to the employees, job titles or positions named or listed in its schedule. Everyone else remains subject to the exclusion. It modifies the auto dealers, business auto and motor carrier forms (the 2013 edition dropped the garage and truckers forms).
Who needs it
Employers who want to protect a limited group, for example designated crew drivers, supervisors who drive employees to job sites, or officers, without buying the broader CA 20 55.
Key points
- Schedule by name, job title or position. Titles survive turnover better than names.
- The employer's own liability for employee injuries remains excluded and belongs to workers compensation and employer's liability.
Quoting and selling notes
Ask which employees regularly drive co-workers. If the answer is "everyone," CA 20 55 is simpler and avoids schedule gaps.
