Did You Know? Business Vehicle Use Could Put Your Company on the Line
Even if your business doesn’t own any vehicles, you may still have exposure when employees drive for work. That’s where Hired & Non‑Owned Auto Liability comes in.
Think about everyday situations:
An employee runs out to grab lunch for the team. A sales employee drives their own car to client meetings. Now imagine they’re driving down busy Elk Grove Blvd, misjudge a yellow light, and are involved in an accident.
Here’s the catch — your business could be named in the lawsuit.
Many personal auto policies either limit or exclude coverage for business use, and you may not know what liability limits your employee carries.
Most business auto policies only cover company‑owned vehicles. Without non‑owned auto coverage, accidents involving employee vehicles used for work could leave your business exposed. Even if an employee’s personal policy responds, the limits may not be enough — or may not apply at all.
The good news?
Even businesses that don’t own vehicles can protect themselves with Hired & Non‑Owned Auto Liability. This coverage can also extend to rental cars used for business travel. It’s a small addition that can make a big difference when the unexpected happens.
If this raises questions about possible gaps in your coverage, it’s worth talking through these scenarios with your insurance professional.
Let me know if you’d like to chat — I’m happy to help.