Is Kenneth covered under his Business Auto Coverage Form if he causes an accident while driving a rental car on a business trip?

The correct answer indicates that Kenneth is covered under his Business Auto Coverage Form when driving a rental car for business purposes because he is recognized as an insured for any auto. This coverage extends to various situations involving the use of vehicles, including rental cars.

In the context of business auto policies, "any auto" typically includes vehicles that are not owned by the business, such as rental cars, provided they are being used for business-related activities. This means that as long as Kenneth is using the rental vehicle for business purposes, he is afforded protection under his existing policy.

The underlying principle here is that most business auto policies are designed to cover business-related operations comprehensively, which includes driving rental vehicles. Therefore, the concept of being an “insured” extends beyond just vehicles owned by the insured to those being used in connection with business activities.

Understanding this helps to clarify how business auto insurance operates in real-world scenarios, encompassing the use of various types of vehicles that may be integral to conducting business activities.