Policy Coverage Issue (Motor or PL?)

Hi all,

Sorry that I am quite new to the industry.

I am recently handling a claim and wish to seek your advice on the policy coverage.

Background
•A person was injured by a tail platform of a vehicle

•The vehicle is owned by Company B

•The tail platform at the material time was operated by employee of Company A with authorization of Company B

•It was in great dispute on the identity of the injured as to whether he is an employee of Company A, Company B or was self-employed

•Legal proceeding is commenced on the Employees' Compensation but no judgement is yet to be
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