• COMMERICAL
AUTO
INSURANCE
Owned Autos
Any time an employee of an organization operates an auto owned by that organization the employer is legally liable for any damages that the employee may incur. For example, if you are the owner of a construction company and you tell one of your employees to take your truck down to the lumberyard you are responsible for any damages or injuries that your employee may cause. This is because your employee was acting on your behalf at the time of the loss.
Autos Not Owned
Hired and Nonowned Autos
Any autos that are leased or rented by an organization become the responsibility of that organization. This means the organization can be held legally liable for injury resulting from the use of the vehicle. The organization can also be held liable for any damage to the auto itself.
Employers Nonownership Liability
Some employees use their own vehicles to perform their job duties. For example, you tell one of your employees to take his truck and pick up some material down at the local lumberyard. Because the vehicle is being used to further your business, you are exposed to liability. Insurance for employers nonownership liability can be arranged under all commercial auto liability forms.
When purchasing a Commercial Automobile Insurance Policy be as accurate as you can in your descriptions of the types of autos that you own, and how you intend to use them. Information that is to general may result in a policy that does not cover you completely. If you have any questions feel free to contact us at 800-446-8057.
