02 Jun Non-Owned Auto Third Party Liability for Business Owners
Do your employees run errands for you during business hours driving their personal vehicles? (Other than for delivery)
If so, and one of them becomes involved in a car accident that is their fault, your business is held liable as a third party!
Here are some steps to ensure you are covering your business:
1. Know your employees – Check their:
Driver’s License – Is it current and valid?
Auto Insurance – Is their policy current and enforced?
Motor Vehicle Reports – COOPERS INSURANCE AGENCY WILL GLADLY REQUEST A MOTOR VEHICLE REPORT FOR YOU!
2. Make sure you have NON-OWNED AUTO coverage in your business owner’s insurance policy package!
*PLEASE NOTE: This coverage is available as Optional Coverage – It is not always included in standard policies!
What protects you from this type of litigation, is having Non-Owned Auto in your business owner’s property and liability package, and this coverage is always optional.
Next week, we will discuss delivery and catering.
Also, if you haven’t already – please see our video and blog covering Auto Accidents.