If given the permission is a non-employee covered while driving commercially insured vehicle?

No, in most cases, a non-employee is not covered while driving a commercially insured vehicle without the permission of the vehicle's owner or authorized representative. However, some commercial insurance policies may provide limited coverage for permissive users, which can include non-employees who have been granted permission to operate the vehicle for business purposes. It's important to check the specific terms and conditions of the insurance policy to determine whether coverage applies in such cases.