If you checked any of these questions, you may want to consider purchasing Hired and Non-Owned Auto Insurance. It can cover accidents that happen when employees use their own vehicles for your business.
There are two major reasons you may want to consider this type of insurance:
- Commercial Auto Insurance may not cover vehicles your business doesn't own.
- If an employee gets into an accident while driving on company business, you can be held liable – even if the employee was driving their own vehicle.
In short, if an employee goes on a bagel run, crashes their car, and hurts someone else, Hired and Non-Owned Auto Insurance helps cover the damages so they don't come out of your pocket.