Does Monoline extend coverage to permissive use drivers? 

We have been getting a lot of questions around permissive use drivers especially with the marketing tightening up guidelines on that. Monoline is a true follow form policy so if the underlying policy extends coverage to permissive use drivers, then we would as well. If the underlying policy excludes permissive drivers on the underlying, we would not cover that. Our policy states that acovered person is Any person or organization who is covered under your primary insurance, subject to the same coverage terms, conditions, limitations, and exclusions contained in your primary insurance