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@marknordics Get it in writing that they don’t have to be added. Make an email train showing you notified them. Once they have their license you add them as occasional drivers to all of your vehicles no matter the scenario. In scenario 2 you pick one as the primary driver for the extra car and...

@krys89 Pretend your client is Annie. Annie is now covered if she is sued because of your wrongful act as a professional. If Annie was a named insured she would be covered if she was sued for her acts as a professional. The endorsement specifically caveats that it’s for actions taken on your...