This article discusses the various judicial interpretations of the omnibus clause. Special emphasis is given to Nebraska law as affected by the recent Nebraska Supreme Court decisions in Protective Fire & Cas. Co. v. Cornelius and Metcalf v. Hartford Acc. & Indem. Co.

I. Introduction

II. Recent Nebraska Cases Interpreting the Omnibus Clause

III. When First Permittees Are Additional Insureds

IV. When Second Permittees Are Additional Insureds

V. Where Nebraska Stands

VI. When Second Permittees Are Covered

VII. Analysis and Conclusion