Vehicles & Transportation

Auto insurance covers the church's liability for privately owned vehicles used on church business and is excess of the owner's liability coverage, if any.
This coverage does not provide liability, comprehensive or collision coverage to the private owner. See Guidelines for Other Vehicles for more information.
Any vehicle covered under the CPIP has the additional protection of the liability umbrella.
Coverage will be under one CPIP policy, with a Certificate of Insurance issued to each insured church outlining amounts and limits of coverage.
CPIP provides excess liability coverage for rented vehicles. Primary physical damage coverage for those vehicles must be purchased from the renting agency.

Managing Risks

CPIP recommends that you do not lend or rent your church owned vehicle to other churches or groups. Your church's insurance policy will be primary in the event of accident or loss.
Requirements for drivers to have a (Class B) Commercial Driver’s License varies from state to state, from as few as ten (10) passengers in California to the requirements set forth on the linked document, STATE MOTOR VEHICLE LICENSE REQUIREMENTS. The minimum passenger count normally includes the driver. Vehicles in the CPIP master policy are categorized by weight, and vehicle passenger capacity is not reduced by removing seats.
You are strongly encouraged to rent your short-term rental vehicles from a recognized provider who will offer you the Physical Damage Waiver Protection.

Disclaimer

Please recognize that this material is limited in scope and does not apply in every case or circumstance. While the concepts discussed here have been successful in preventing losses and reducing the size of losses for those using them, there is no guarantee that adhering to the advice in this manual or any part of it will impact any loss, loss exposure or insurance premium in any direct way. It consists of general guidelines or suggestions, rather than specific advice, does not replace or supersede any legal requirements and should not be considered as legal guidance.

Because it is necessary to apply principles or concepts to specific facts, always consult legal counsel before using this material as the basis for specific action or adopting any of the guidelines or suggestions as policy.