ContractorsMore often than not, being in business means that you rely heavily on a company car to transact business. If you have a company with employees, it is quite possible that they rely on the company's cars to make sales or answer customer maintenance calls. When you allow employees to drive company vehicles, it is critical for you to know who is driving at all times.

Who Is Covered Under Your Commercial Auto Insurance Policy?

When it comes to commercial auto insurance, the vehicle is insured and any employee behind the wheel benefits from that coverage. If an employee is responsible for an accident or they are hit by another driver, it is likely that your commercial auto insurance will cover the costs of the repairs or getting the car replaced.

Who Isn't Covered by Your Commercial Auto Insurance Policy?

Whether you operate a small business or a large business, allowing other people to drive your company's cars is risky behavior. Most commercial auto insurance doesn't extend to spouses, friends and other family members when an employer allows them to drive. So, what happens if a non-employee wrecks the company vehicle? Your insurance company may deny your claim if a non-employee was driving. This will expose you and your business, which can become costly depending on the extent of the damage.

Add-On Coverage Options

There are business owners who allow their employees to use their cars for personal use outside of business hours. Although this is a nice gesture, it exposes the business to liability risks that your commercial auto insurance may not cover. To be safe, you can speak with your insurance agent about purchasing additional coverage to cover employees who are driving your vehicles for personal use. By doing this, you ensure that your business is protected as well as your employee.

Commercial auto insurance protects the company's vehicle along with the employee and people in the car. When another person — who is not employed by the company — is driving or they are inside the vehicle, the company is exposed to more risks. Stop non-employees from gaining access to company cars or purchase additional coverage to ensure you have appropriate coverage for potential losses.

We've got you covered. Call Integrity Network Insurance Group at (512) 989-6006 for a Round Rock commercial auto insurance quote.
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