Ace the AIC Level 2 Exam 2026 – Construct Your Career Success!

When a business employee uses their own car to deliver packages, the company faces non-owned auto exposure—the vehicle isn’t owned by the company, but it’s used for work. This adds liability and insurance complexity beyond what’s involved with company-owned vehicles. SPF categories are used to rank this level of vehicle-related risk and the controls or coverage needed. Using a personal vehicle for business deliveries is the most exposure-prone situation among typical vehicle use scenarios, so it’s classified at the highest level. That level signals the need for stronger safeguards, such as confirming the employee’s personal auto policy has appropriate business-use coverage or adding a non-owned auto endorsement, plus driver safety steps and vehicle maintenance checks. Lower SPF levels would apply to scenarios with less exposure, like using a company vehicle or not doing business deliveries at all, which don’t carry the same non-owned auto risk.