Commercial Auto Insurance
What Is a Named Driver Exclusion on a Commercial Auto Policy?
A named driver exclusion removes coverage for a specific high-risk driver. If that person causes an accident while driving your vehicle, the claim is not covered.
What is a named driver exclusion on commercial auto insurance?
Insurers add named driver exclusions when an employee or owner has a driving record too risky to cover at a standard rate. Rather than declining the entire policy, they exclude the problematic driver — protecting the insurer while still covering the rest of your fleet.
If a named-excluded driver causes an accident in your vehicle, your insurer can deny the claim entirely. This means you bear full personal liability for that incident.
If you receive a named driver exclusion, you must prohibit that employee from driving company vehicles — in writing. Document this restriction in your employee file to protect your company’s position if an incident occurs.
Ready to compare rates?
Trade Safe shops dozens of A-rated carriers to find the right commercial auto coverage for your contracting business.