- To the extent that employees are acting on the Insured’s behalf they are covered as if they were the Insured
- The policy covers the Insured’s staff while they are temporarily using the Insured’s employees in the private capacity
- For example:
- A manager in the Insured’s employ asks his secretary to buy a birthday gift for his wife. While the secretary is running this personal errand for her boss she injures someone.
If the injured person sues the boss since the injury occurred while work was being done for the boss, the policy would pay for the boss’ liability