When Bob accidentally strikes Alice while driving Tank's truck, is he covered under the Business Auto Coverage Form?

In this scenario, the correct assertion is that Bob is not covered under the Business Auto Coverage Form due to the exclusion of claims made by fellow employees. Generally, most commercial auto policies, including the Business Auto Coverage Form, do not provide coverage for injuries that occur between employees while they are engaged in the course of their employment. This provision is put in place to manage the risks associated with workplace injury claims, which are typically handled under workers' compensation insurance instead.

While the other options suggest scenarios that might lead to coverage, they do not take into account the specific exclusions applicable to incidents involving employees. For instance, whether both individuals are employees or whether the incident was indeed an accident does not negate the fundamental exclusion of fellow employee claims in commercial auto policies. Therefore, Bob's situation falls under the exclusion, confirming that he would not be covered in this particular instance.