I know we’ve touched on non-owned auto liability before. But, it’s a problem so pervasive and misunderstood that I wanted to remind you again.
If you have employees and your policy includes the non-owned auto rider, great! If not, get it TODAY, before something happens.
Do your employees use their vehicles to:
- Tour facilities or meet clients?
- Run to the store, post office, bank, or other errands?
- Provide other services offered by your company?
- Transport people or packages?
If something happens, and there is a claim, your business could be on the hook. The fact the vehicle is not company-owned is irrelevant. The fact that it is your employee driving it for company business is relevant.
There is an average of 17,200 traffic accidents a day in the U.S.; almost 6.3 million incidents a year. Non-Owned auto coverage is an essential piece of your insurance protection. Without it, you run a substantial risk of loss in the blink of an eye. By the way, most personal auto policies exclude business use.
At Eaton-Provident Group, we can write the non-owned auto insurance rider on a commercial policy. And…one more thing while we’re talking about vehicles and employees…
Check the motor vehicle reports pre-hire and verify that your employees carry adequate liability limits on their personal vehicles if they use their car for your business. Look for a minimum of $100,000 combined single limit.
If you need help with non-owned auto coverage, call or email me. Or, if it’s outside business hours, visit our contact page and I’ll follow up with you as soon as I can.
Even if your employee does a “favor” by driving for your business even once a year, you need this coverage. You can always go straight to our website and submit a quote request here