Use of Personal Vehicles for Business
Supervisors should identify and authorize those employees who are required, as part of their normal job duties to use their personal vehicle to conduct company business.
If employees use their personal vehicles for business use, employers must be certain they have sufficient liability coverage with their personal auto policies. For example, if employees drive their personal vehicles to deliver an order for the business and they are in an accident with another driver, their insurance company will pay the claim up to their policy limit.
But if the other driver sues the company for additional damages, a basic business owner's policy (BOP) won't suffice. Commercial vehicle insurance with an added non-owned auto liability endorsement could help protect the company's assets from an expensive lawsuit.
Knowledge Check Choose the best answer for the question.
3-8. An employer must make sure an employee has _____ if they use their personal vehicle for company business.
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