What type of businesses typically requires OPCF 4 coverage?

OPCF 4, also known as the "Business Use of a Private Passenger Vehicle" endorsement, is designed for individuals who use their private vehicles for business purposes, but it specifically addresses situations where vehicles are used in a capacity that may exceed the limits of standard auto insurance policies. In this context, garages and car dealerships often require OPCF 4 coverage because their operations involve the use of vehicles in ways that are fundamentally tied to their business activities—such as test drives, transporting customers, and delivering vehicles. This endorsement provides essential additional coverage for these activities that might not be fully protected under a standard personal auto policy.

While private individuals using their own cars may have personal use coverage, the unique business-related risks inherent in garages and dealerships necessitate the broader scope of protection offered by OPCF 4. Rental car services and transportation companies do often require different types of commercial coverage or specific endorsements tailored to the nuances of their operations, but OPCF 4 is more specifically associated with operations where personal vehicles are utilized in a business environment, making garages and car dealerships the primary candidates for this type of coverage.