Take Your Kids to Work Day: Navigating the “Business Use” Insurance Gap

Thursday, April 23, 2026, is Take Our Daughters and Sons to Work Day. It’s a wonderful opportunity to show the next generation the “how and why” of your career. However, if your workday involves driving—whether to client meetings, job sites, or just a coffee run for the team—you need to be aware of the “Business Use” exclusion on your personal auto policy.

The Passenger Risk

If you have a child in the car while performing a task for your employer, you are technically using your vehicle for business purposes.

• The Coverage Gap: Most personal auto policies cover “commuting,” but they may exclude coverage if you are in an accident while “delivering goods” or “performing a service” for pay.


• The Solution: If your job requires frequent driving, ensure you have a “Business Use” endorsement. This ensures that even when your “mini-intern” is in the backseat, you are fully protected.

A Lesson in Safety

This Thursday is also a great time to teach your kids about road safety. Show them how you use “Do Not Disturb” mode on your phone and explain that being a “professional” means being a focused, responsible driver. It’s a career skill that will serve them—and their future insurance rates—for decades to come.