There is some confusion as to whether business owners need to insure employees who drive during work hours. Is auto insurance for those on-the-clock workers really necessary?<\/p>\n
Let’s find out.<\/p>\n
Plenty of employees drive automobiles after clocking in for work. Personal auto insurance is applicable when an employee drives their own vehicle during a break or lunch. However, circumstances change when an employee drives a company-owned vehicle while on the clock. The situation becomes even more complicated if an employee uses their personal vehicle for business purposes while on the clock, including for running errands or visiting clients. If an accident occurs in such a situation, your employee’s insurance and your company’s policy might not provide adequate protection for either of you.<\/p>\n
If an employee gets into an accident with his or her own vehicle while on the clock, the exclusionary language of that individual’s auto insurance policy matters. Auto insurance policies, whether for personal or commercial use, often contain exclusionary language regarding business use.<\/p>\n
When in doubt, do not assume. Be proactive. Speak with employees who drive their own vehicles for work in and around Cheraw, SC. Encourage them to review their personal auto insurance policies to ensure they understand the exclusions about business use and overall liability limits. If it excludes business use, which is likely, coverage might be in question.<\/p>\n
The nuances of their personal auto policy and your business auto policy will determine whether you’re covered and to what extent.<\/p>\n
Take a deep dive into the language of your business automobile policy for clarity on the details of what’s covered if employees are involved in an accident while using a company vehicle or their personal vehicle.<\/p>\n
If your business automobile policy is restricted to business-owned fleet vehicles, you’re likely not covered. Then it becomes a question of whether your employee’s personal auto insurance includes coverage for the business use of their personal vehicle. However, if your employees often drive their own cars for business, it’s best to protect your company by extending your auto liability protection.<\/p>\n
Adding hired and non-owned auto coverage (HNOA) to your business auto policy is one way to protect your liability from employees who drive their own cars. In some cases, HNOA also extends to leased or non-owned company vehicles.<\/p>\n
Serving Cheraw, SC, the Ingram Insurance team provides the coverage you need to protect your liability exposure and operate your business with peace of mind. Give us a call at 843-537-9386. We’re happy to review your commercial auto insurance policy or provide a quote for any business need.<\/p>\n","protected":false},"excerpt":{"rendered":"
There is some confusion as to whether business owners need to insure employees who drive during work hours. Is auto insurance for those on-the-clock workers really necessary? Let’s find out. Insuring Employees Who Drive During Business Hours Plenty of employees drive automobiles after clocking in for work. Personal auto insurance is applicable when an employee […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[11,14,6,16,12],"class_list":["post-82","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-cheraw","tag-commercial","tag-ingram-insurance","tag-insurance","tag-sc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t