Insurance Exclusion for Business Use of Vehicle

Tortfeasor is delivering pizza when he causes wreck with my client. His car is personally insured but they say no coverage because he was using the car for business purposes and they have an exclusion. Is such an exclusion valid and, if so, can it exclude even the minimum coverage required by law?

Answer: The pizza joint will be liable under respondeat superior. It’s liability coverage will apply because of its "hired and non-owned auto" coverage which might or might not also cover the delivery guy. Either way, if you represent the injured party, there’s coverage.