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      Safco: Vehicle Use

      What are the rules for Safeco vehicle use?

      Business Use

      The use of a vehicle that is required by or primarily involved in the duties of the primary operator in his or her occupation, profession, or business, other than going to or from work.

      Acceptable Business Use

      The following are examples of some but not all types of acceptable business use:

      • Vehicles owned or leased by the applicant and used in their business or occupation, such as consultants and contractors
      • Vehicles used by sales representatives, such as realtors, insurance agents, manufacturer and company representatives, and home-based sales, such as Avon, Mary Kay, and Tupperware
      • Vehicles used by professionals whose duties include travel to hospitals, clinics, courthouses, job sites, or client homes, such as doctors, attorneys, architects, accountants, financial advisors, engineers, and clergy
      • Vehicles used in a business for occasional errands
      • Vehicles primarily operated by the named insured
      • Vehicles not customarily used for wholesale or retail delivery

      Unacceptable Business Use

      The following are examples of some but not all types of unacceptable business use:

      • Vehicles used for transportation of passengers, such as taxis or limousines
      • Vehicles used for retail or wholesale delivery, such as food (pizza), newspapers, contract mail delivery, and other consumer products
      • Vehicles operated by employees or coworkers
      • Vehicles used in security or surveillance operations
      • Vehicles used to carry tools or equipment weighing more than 500 lbs
      • Vehicles used to transport flammables or explosives
      • Vehicles used to accompany wide loads
      • Named non-owner policies
      • Vehicles titled or owned/leased on a long-term contract by a partnership or corporation, unless:
        • They are ordinarily operated by a corporation director or officer named in the declarations, or resident relatives for pleasure, commuting, or acceptable business use
        • All operators are household members and listed on the policy
        • No more than four such vehicles are owned or leased by the partnership or corporation