Your employee rents a van for work—are you covered?
When your employees use rented or personal vehicles for business purposes, it can be difficult to know whether your commercial vehicle insurance covers the situation. Understanding the ins and outs of hired and non-owned auto insurance is essential to protecting your business.
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto insurance is a special coverage designed to protect businesses when employees drive vehicles that are not owned by the company. This includes vehicles that are rented, leased, or even owned by employees but used for business tasks. If your business requires employees to use vehicles for work-related activities, this coverage is crucial to avoid liability in case of an accident.
Who Needs This Type of Insurance?
If your business has employees who rent vehicles for work or use their personal vehicles for business purposes, hired and non-owned auto insurance is a must. Even if your company doesn’t own a fleet of vehicles, this coverage ensures that your business is protected if an employee is involved in a car accident while performing work-related duties.
What Does Hired and Non-Owned Auto Insurance Cover?
This coverage offers protection for:
- Accidents involving rented or employee-owned vehicles used for business purposes
- Property damage caused by a work-related accident in a hired vehicle
- Medical expenses for injuries that occur while driving a rented or employee-owned vehicle on the job
- Liability coverage in case the employee causes damage to another vehicle or person
When Do You Need This Coverage?
You need hired and non-owned auto insurance whenever your employees are using vehicles for business tasks. This includes driving to meetings, delivering goods, or running errands for the company. Even if an employee is using their own car, your business could still be held liable for damages or injuries caused while performing job duties.
Why Is It Essential for Businesses in Bellevue?
In Bellevue, businesses are growing, and many rely on employees who use vehicles for work purposes. Without hired and non-owned auto insurance, your business could face significant financial risk if an accident occurs. This coverage ensures your company is protected, keeping your operations running smoothly without the fear of unexpected legal and financial trouble.
If your business needs commercial vehicle insurance in Bellevue, call us at American Insure-All® at (888) 411-AUTO. We’re here to provide the coverage you need for peace of mind.
When our previous insurance provider decided to make a change in our career we were a little anxious. We had become accustomed to being on a first-name basis and getting quick responses to our requests. Little did we know at the time we had nothing to worry about as American Insure-All has more than met our previous expectations. Don and his team have been quick to respond to our needs and provide us with the peace of mind that we were looking for in a provider.