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.
Please give me a call at 732-876-3620 if you have any questions or would like more information about this valuable coverage.