What type of vehicle does an organization NOT include in its auto coverage?

An organization typically does not include an auto that an employee owns and uses for business under its auto coverage because personal vehicles are considered the employee's personal property and not the property of the organization. Insurance policies generally cover company-owned vehicles and rentals specifically arranged under the business's name, ensuring that liabilities arising from those vehicles are handled appropriately by the organization's insurance.

On the other hand, rented vehicles can be covered if they are rented for business purposes, as long as the policy's terms are met. Vehicles owned by the organization are automatically included in the auto coverage, as are borrowed vehicles, provided the borrowing was authorized and the organization has liability coverage for them. The distinction lies in the ownership; since the employee's vehicle does not belong to the organization, it is excluded from the organization's auto insurance policy.