Who's liab. policy? If you mean will the employers general liabilitly policy cover his own employee stealing.. Maybe, of course charges would need to be brought etc. Most certainly turn in the claim.
The applicant for insurance is responsible for providing accurate answers to material questions on the application. Materiality relates to facts based upon which the insurer decides whether to issue the policy, on what terms (such as if there any exclusions or limitations), and at what premium.
Typically the owner of the car insures the car and lists all drivers of that vehicle regardless of where a driver may live. I own a vehicle that my father in-law keeps at his place. I have the vehicle listed on my own policy and him as an operator.
My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance.
Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to.
Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available.
They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.
Because you are more likely to have an accident if you drive too fast. And insurance balances the likelihood of people having accidents.