{"id":20,"date":"2026-09-30T13:36:21","date_gmt":"2026-09-30T19:36:21","guid":{"rendered":"https:\/\/www.foothillsinsurance.com\/blog\/?p=20"},"modified":"2026-09-25T13:54:58","modified_gmt":"2026-09-25T19:54:58","slug":"letting-employees-take-the-work-truck-home","status":"publish","type":"post","link":"https:\/\/www.foothillsinsurance.com\/blog\/letting-employees-take-the-work-truck-home\/","title":{"rendered":"Letting Employees Take the Work Truck Home"},"content":{"rendered":"

For plenty of East Valley contractors, service companies, and delivery businesses, sending employees home with a company vehicle just makes sense. It saves a morning trip to the yard and gets crews to job sites faster. It also stretches your commercial auto policy into evenings, weekends, and driveways, which is exactly where questions start.<\/p>\n

Three Coverage Questions Worth Settling Now<\/h2>\n

Is after-hours driving covered at all?<\/h3>\n

Generally, a vehicle listed on a commercial auto policy remains covered when a permitted employee drives it, including the commute. Personal errands can be another matter depending on how the policy and your company rules are written, so it’s worth confirming rather than assuming.<\/p>\n

Can a spouse or teenager drive it?<\/h3>\n

This is where many businesses get caught off guard. Family members of employees often aren’t approved drivers, and letting them behind the wheel may fall outside what the policy expects.<\/p>\n

Does the employee’s own auto policy help?<\/h3>\n

Often not much. Personal auto policies commonly exclude vehicles furnished for someone’s regular use, which describes a take-home work truck. An owner or key employee without a personal vehicle may want to ask about a Drive Other Car endorsement.<\/p>\n

Put It in Writing<\/h2>\n
\nA take-home vehicle policy typically spells out:<\/strong><\/p>\n