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Insurance Coverage Q&A: Car Sharing Coverage Under the BAP

If an insured gives permission for their car to be rented out, is there coverage?

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Our named insured is a convenience store (policy is set up for a corporation, not an individual). They have a Business Auto policy with us. The named insured made their scheduled car available through Turo to a renter. An unidentified party (possibly the Turo renter) operating the insured vehicle became involved in a collision causing damages and injuries. Are there exclusions to physical damage coverage and/or liability coverage on the Business Auto policy when a vehicle is being used by the customer of a car sharing business?

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