Your insured and his wife hire a babysitter on a regular basis. Part of the compensation to the babysitter is an arrangement that he/she will be picked up and returned to their home by the insured. Since this can be construed as receiving compensation, how would you ensure your client is protected against claims made by the passenger for injuries? Add the change form "Permission to Carry Paying Passengers". Add "Passenger Hazard" change form. No endorsement is necessary, coverage is included in the O.A.P. 1 Owner's Policy. Reclassify the risk for business use.

Your insured and his wife hire a babysitter on a regular basis. Part of the compensation to the babysitter is an arrangement that he/she will be picked up and returned to their home by the insured. Since this can be construed as receiving compensation, how would you ensure your client is protected against claims made by the passenger for injuries? Add the change form "Permission to Carry Paying Passengers". Add "Passenger Hazard" change form. No endorsement is necessary, coverage is included in the O.A.P. 1 Owner's Policy. Reclassify the risk for business use.