Insurance companies are good at collecting premiums and saying you need to increase your coveerage. Then when you have an incident you find you it is excluded from coverage. Sept 10, 2002 I had an employee drive a company vehicle into my office. When I called my auto insurance carrier I found out I was not covered at first because she hit our office. I then called our liability carrier, similar exclusion. We finally were covered only because we rent the inside square footage, not the exterior of the building. Sometimes you have to find your own loop holes. It's a good thing he did not hit his own house.