When to Consider Getting Non-Owner Car Insurance

Man signing paper with keys on the deskIt has become increasingly common for people to drive cars they don’t own. This is a result of people renting or leasing vehicles and the rise of car sharing apps. This makes the prospect of non-owner car insurance that much more important for motorists to consider. If you plan on ever operating a vehicle that is not your own, you should contemplate adding non-owner insurance to your policy. [Read more…]

Commercial Vehicle Insurance: Protect Your Business

Commercial Vehicle Insurance: Protect Your Business As a business owner, you need some type of insurance coverage for vehicles that your employees will use while on the job: company owned, leased, or even personal vehicles. Jobs that require company vehicles, i.e., sales, are categorized among the most dangerous in the country. They are ranked 7th in the list of the top 10 most dangerous occupations in a 2016 Census of Fatal Occupational Injuries by the US Bureau of Labor Report. Your business owner’s policy (BOP) does not provide any coverage for vehicles, so it’s vital you have a separate policy.
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Non-Owned Auto Coverage to Protect Your Employees

man in suit driving his carYour company has employees, and your employees have cars. When they use their cars on behalf of your business and get into an accident, who is liable for the accident? In our blog When Do You Need Commercial Car Insurance? we took a look at some examples where the line becomes blurred and insurance policies revoke their coverage. Today we’ll go over signs that your company needs to provide insurance for your employees, and how a non-owned auto coverage policy might be the right choice between no coverage and getting company cars with commercial vehicle insurance. [Read more…]