If employees use their personal vehicles for deliveries, client visits, errands or other business activities, there are additional insurance considerations for both the employee and the business.
An employee may be able to use a personally insured vehicle for some business purposes, but their insurer needs to know how it is being used. Depending on the type and frequency of business use, their personal policy may need to be adjusted, or different coverage may be required.
There may also be additional liability considerations for the business when employees are using their own vehicles for business purposes. Your business may need non-owned automobile coverage to help protect against liability arising from vehicles it does not own. This coverage can help protect an organization if it is sued because an employee or volunteer causes an accident while driving their own vehicle on behalf of the organization.
Munn can review how your employees use their vehicles and help identify any gaps that may need to be addressed.
