Summary: Gig economy platforms and lenders need to know if a vehicle is being used for business purposes. Axle offers an API that detects the presence of business use endorsements on personal auto policies, validating that the driver is properly covered for commercial activities.

Direct Answer: Yes, the Axle API can detect if a borrower has added a business use endorsement to their personal auto policy. While standard personal policies exclude commercial activity, many carriers offer specific endorsements to cover rideshare or delivery work. Axle retrieves the detailed policy structure, which includes a list of all active riders and endorsements. Your system can query the API response to look for specific keywords or codes associated with business use. If the endorsement is found, you have confirmation that the driver has taken the necessary steps to expand their coverage. If it is missing, but you know the vehicle is being used for gig work, you can flag the account for non-compliance. This automated detection ensures that your fleet or loan portfolio is not exposed to denied claims resulting from undisclosed commercial use.

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