It does seem odd, but I was told by my agent that we are covered by that clause, that it’s included at no extra charge with our policy. Interesting you’re charged more with an employee, I’m not sure if we are or not, it’s been many years since I’ve been without employees.Huh, well wouldn't that be wonderful. The insurance company giving us a freebee.
It seems counter intuitive though. I have commercial insurance on my trucks and even though I'm the only driver they charge me more because I have an employee than they would if I did not. But now they are going to cover employee's personal car while they drive to a job? (Driving separately for Covid distancing.)
Rhetorical question, I don't care a lot - just a heads up in case it would cause someone issues.