What is the purpose of the employees as additional insureds endorsement?

The employees as additional insureds endorsement serves the purpose of extending liability coverage to employees under a business auto policy. When this endorsement is included, employees are considered additional insureds, which means they are granted coverage under the policy while performing their job duties related to the business’s operations. This particularly applies to situations where an employee might be operating a vehicle for company purposes and an incident occurs that results in liability claims, ensuring that employees have the necessary protection while conducting tasks on behalf of the business.

By providing this coverage, the endorsement safeguards both the business and its employees, preventing gaps in liability protection that could otherwise lead to financial repercussions for both the employer and the staff.