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Do your employees drive their own vehicles for work purposes?

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If your employee uses his or her own personal vehicle for work-related duties, what happens if he or she has an accident? Generally, your employee’s auto insurance company would pay for any damage, but if their coverage is insufficient, who pays? 

 

By law, employers are responsible for their employees’ actions within the scope of their employment. Adding hired and non-owned auto coverage to your general liability or business auto policy is one way to protect your business when employees drive their own or rent vehicles for business use. This coverage provides protection over your employees’ own auto coverage and provides you with the essential driving liability coverage you need. 

 

You can also protect your business by requiring your employees to adhere to certain safe driving criteria. 

 

Consider these criteria to be in your agreement: 

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  • Personal insurance coverage - require employees to provide you proof and maintain personal auto insurance.
  • Driving policies - require the use of seat belts for all passengers and insist on hands-free communication or create a no-tolerance policy for employees while driving except in the case of emergencies.
  • Driver qualifications - require a valid license and obtain a motor vehicle record annually for anyone driving for work purposes.
  • Maintenance – require that vehicles are maintained in accordance with manufacturer’s recommended service guidelines.
  • Accidents – make sure employees immediately report accidents. Be sure to record all details in the event that your company is involved in litigation.

 

Contact Insure Forward for more information about avoiding potential costly driver-related exposures.

  

 

Date: 2.5.13
By: Andy Hendrickson, Insurance Sales Agent and Sara Rushmore, Customer Service Agent
Location: Grand Forks

 

Disclaimer
This advice is for general information purposes only and may not apply to you. Every insurance situation is different. This is not intended to be legal advice. Please consult an Insure Forward representative regarding your individual situation.

 

Products and services offered through Insure Forward are:
* NOT A DEPOSIT * NOT FDIC-INSURED * NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY * NOT GUARANTEED BY THE BANK * MAY GO DOWN IN VALUE

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GuestFriday, 31 October 2014