Is Ben's claim for injury covered under Norton's business auto policy due to the fellow employee exclusion?

In the context of a business auto policy, the fellow employee exclusion is a provision that typically states that a policy will not cover injuries sustained by one employee resulting from the actions of another employee while both are engaged in their employment duties. This exclusion exists to prevent claims where the injured party is a coworker and the injury arises out of typical workplace interactions.

In this scenario, choosing the answer that acknowledges the fellow employee exclusion correctly reflects the understanding that Ben's injury is not covered under Norton's business auto policy because Ben and the other employee involved in the incident are both employees of the same company. Since the policy specifically excludes coverage for injuries between employees, it emphasizes the intent to limit liability in situations where workplace injuries occur between colleagues. Thus, Ben's claim would not be covered under the auto policy due to this exclusion.

Alternatives such as filing under workers' compensation can provide a path for benefits in such situations, as workers' compensation is designed to provide medical and wage-loss benefits to employees injured in the course of their employment, irrespective of fault. However, it does not negate the fact that the business auto policy would not cover Ben's injury due to the fellow employee exclusion.