Who is not considered an "insured" under business auto liability coverage?

In the context of business auto liability coverage, the term "insured" typically refers to individuals or entities that are protected under the policy. Generally, the named insured, employees, and certain other individuals and entities driving or using the vehicle for business purposes may be considered insured.

The owner of a trailer borrowed by the named insured is not considered an "insured" because the borrowing aspect does not necessarily confer coverage. Coverage is usually extended to the named insured and their employees under the policy's terms when those employees are using the vehicles for business operations. However, the borrower's status as an owner does not grant them coverage under the business auto liability coverage, unless they are explicitly mentioned in the policy or involved in the operations of the business.

In contrast, the driver of a company vehicle, the personal assistant of the named insured, and the spouse of the named insured are typically covered under the business auto liability policy, provided that they are using the vehicle with permission and within the scope of their duties or for personal use as per the policy's terms.