Most business owners assume that if their employees are driving to a job site, making a delivery, or visiting a client, their personal auto insurance has them covered. Unfortunately that assumption is wrong and it can be a costly mistake.
Personal auto insurance is designed to cover everyday personal driving. The moment a vehicle is being used for business purposes, most personal auto policies exclude coverage entirely. That means if one of your employees gets into an accident while driving to a client meeting or a job site, your business could be on the hook for every dollar of damages and legal fees.
Commercial auto insurance is specifically designed to cover vehicles used for business purposes. It covers liability for bodily injury and property damage, medical payments, uninsured motorists, and physical damage to your vehicles. Whether you own a single work truck or manage a full fleet, commercial auto insurance makes sure your business is protected when something goes wrong on the road.
Even if your business does not own any vehicles, you still have exposure. If your employees use their personal vehicles for work purposes, your business can be held liable for accidents that occur during that time. Hired and non-owned auto coverage fills that gap, protecting your business from liability when employees drive their own cars on company time.
Almost every business that has employees driving for work needs some form of commercial auto coverage. This includes construction companies, equipment rental businesses, healthcare operations, real estate firms, retailers, restaurants, and distributors. If your business depends on vehicles to operate, commercial auto insurance is not optional.
AOR Insurance is an independent broker and division of Sihle Insurance Group working with A+ rated carriers across all 50 states. Our unique proven process reviews your current coverage, identifies gaps most businesses never knew they had, and structures a commercial auto program built around your specific operation. Get a free comprehensive risk profile at aorinsurance.com.