Work vehicle for Personal Use

I have a work vehicle that I use to commute between client’s homes. I don’t use it for personal use at all. However I will soon need to drop my child at daycare and then continue on to client’s homes.

If I was to be in an accident while my daughter was in the car on the way to daycare would my insurance cover the child? Would this be considered misuse of company property by using my car for this personal errand but while still on my way to work (with daycare) detour?

I have found that getting a coffee or lunch on the way to a client’s is not considered against the rules so I am wondering if this is ok?

submitted by /u/muneyhuney
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