What is the nature of insurance coverage for an automobile being parked by an employee?

The nature of insurance coverage for a vehicle being parked by an employee typically aligns with the principle that the insurance of the business operating the parking facility is primary. This is based on the idea that when a car is in a parking garage or lot, the business assumes responsibility for the vehicle during its stay.

When an employee parks a vehicle in a commercial parking facility, the parking business often has a duty of care towards that vehicle and its contents. As such, the business's insurance would generally step in to provide coverage in the event of damage or theft while the vehicle is in their custody. This is particularly relevant if the parking lot or garage operates on a paid structure or if the employee is instructed to park there as part of their job duties.

The vehicle owner's insurance might still cover certain situations, particularly if the driver was negligent in causing damage either to their vehicle or others, but in the context of coverage specifically tied to the act of parking, the parking business's insurance is considered primary.