The first question is, does your company have any employees who drive their own personal automobile during business hours?
For example:
- Do they go pick up lunch?
- Do they drive from the main office to a warehouse location or from one customer location to another?
- Do they pick up a client from the airport?
- While on a business trip, do they rent a car?
If any of these or similar activities occur at your company, you need non-owned auto insurance.
Why?
If your employee gets in a car accident and causes bodily injury to another person, your business may be sued for the damages.
Non-owned auto liability will protect you against this lawsuit.
The good news is, you don’t have to own a business vehicle to acquire this coverage. Nine times out of ten, you can add it to your general liability policy, or you can purchase separate swimming pool insurance.
Please give me a call at 732-876-3620 if you have any questions or would like more information about this valuable coverage.
This article is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.
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