Depends who owns the car or who has the loan out against the car. If you own the car and hire the driver, you insure the car and put them on the policy as the primary driver.
Huh. Iโve never thought of that, and itโs a really good question. Iโm guessing there may be some kind of โI own it, but donโt drive itโ group within insurance that deals with it, or maybe be kind of shared responsibility between the two.