Commercial Auto Insurance
What Is Drive Other Car Coverage for Contractors?
Drive Other Car (DOC) coverage protects business owners and executives when driving a non-owned vehicle — filling the gap between commercial auto (business vehicles) and personal auto.
What is drive other car (DOC) coverage on a commercial auto policy?
If you rely entirely on company-owned vehicles (no personal car in your name), you have a coverage gap when you drive a vehicle not on your commercial auto policy — a rental car, a spouse’s car, or a borrowed vehicle. DOC coverage fills this gap.
DOC is typically added as an endorsement to the commercial auto policy and covers the named insured (business owner) for liability while operating non-owned vehicles for personal use. It provides the personal auto equivalent for owners who don’t maintain a separate personal policy.
If you have both personal and commercial auto policies, DOC may be redundant. But if your only vehicle coverage is through a commercial policy, DOC is essential protection for personal driving situations.
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