If your employees drive their own cars for business purposes—to visit clients, for example—your business could wind up liable for property damage and bodily injuries resulting from a traffic accident for which an employee was at fault.
Sometimes business owners don’t notice they have this exposure. Consider these scenarios:
Your office manager stops by the office supply store to pick up some items for work on her way back from lunch.
On the way home, a supervisor stops by a client’s office to leave a product sample.
While on vacation, a salesperson driving his personal vehicle makes a brief stop to visit a customer.
These are all situations where a business can find itself liable for an auto accident with damages higher than the policy limit of the employee’s personal auto policy.
To protect your business from these liability risks, you can add the Non-owned Auto Liability Endorsement to your BACF. It provides coverage when employees drive their own vehicles on business. This BACF coverage is excess over the limits provided by the employee’s personal auto coverage. If the employee’s limits are low—such as only to satisfy state financial responsibility limits—then it is critically important for the business to have this non-owned auto protection.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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