What is the purpose of the "voluntary part" of a business auto policy?

The voluntary part of a business auto policy serves to extend coverage beyond the standard business use of a vehicle. This additional coverage is important for businesses that may have employees using their vehicles in ways not explicitly stated in the primary contract. For example, if a vehicle is used for personal errands or during off-hours while still being associated with the business, the voluntary part of the policy can help cover those unexpected situations, ensuring that the business is protected from potential liabilities or losses that arise from these non-standard uses.

This aspect of the policy reinforces the flexibility and comprehensiveness of coverage for businesses, recognizing that employees may not always use the vehicle solely for work purposes, and it addresses varying circumstances that may not fit the typical business use scenario.

The other options do not encapsulate the broader protective intent that the voluntary part of the policy is designed to address. While personal use and delivery are important aspects of auto coverage, they do not fully define the comprehensive nature of protecting against a wider array of usage scenarios or liabilities.