If an employee is injured during work time and sues another employee, how does the Business Auto Coverage Form handle this?

The situation is excluded under the policy because the Business Auto Coverage Form specifically covers liabilities arising from the use of vehicles in the course of business operations. However, when it comes to lawsuits between employees, the general principle is that workers' compensation laws provide the primary remedy. Workers' compensation is designed to ensure that employees who are injured while performing their job duties receive compensation for their injuries without needing to sue their employer or fellow employees.

In this context, the Business Auto Coverage Form does not cover liability claims between employees because such claims typically fall under the scope of workers' compensation. The intent of the workers' compensation system is to protect employers from litigation for on-the-job injuries, promoting a no-fault system where employees receive medical benefits and wage replacement regardless of fault. Therefore, the correct interpretation of this scenario is that the involvement of employees suing each other for injuries sustained during work hours is not a covered event under the Business Auto Coverage Form, reinforcing that the appropriate recourse would be through workers' compensation insurance.