SEF 90

SEF 90 Limitation to Operation of Automobiles by Partners, Officers, and Employees Endorsement

SEF 90 is a change to the SPF No. 6 which is a non-owned automobile policy. This is a commercial automobile insurance policy.

SEF 90 limits the coverage to automobiles operated by the insured's partners, officers and employees. This excludes any coverage for automobiles operated by the insured's agents and automobiles hired or leased from others with or without drivers or operated under contract.

So if your company hires an owner-operator to haul your goods from your warehouse then you cannot put that tractor-trailer under your insurance due to this endorsement. This owner-operator will have to place his own insurance coverage for his unit even if he has a contract to haul just for you.

Understand your insurance. Talk to your agent or broker about what is needed to best protect you from a claim. Your continuing operation and ongoing profitability is the goal of a risk management program. Take control of your insurance.