What it does
CA 99 34 adds to Who Is An Insured: anyone volunteering services to the named insured is an insured while using a covered auto the agency does not own, hire or borrow to transport the agency's clients or other persons in activities necessary to the agency's business. Anyone else who furnishes that auto (for example, the volunteer's spouse who owns the car) is also an insured. It modifies the business auto and motor carrier forms.
Who needs it
Agencies providing transportation for seniors, people with disabilities, foster children, meals-on-wheels recipients and similar clients using volunteer drivers.
Key points
- The policy needs non-owned auto coverage (symbol 1 or 9) so the volunteer's car is a covered auto.
- The coverage is limited to client transport and other activities necessary to the agency's business; general volunteer driving may be better handled with CA 05 24.
Quoting and selling notes
Underwriters look at volunteer screening (motor vehicle records, minimum ages), trip volume and client population. Consider abuse or molestation exposure separately; ISO's CA 28 03 excludes it from covered autos liability when attached.
