Drivers in the United States are required by their respective state's laws to have auto insurance. This insurance protects them, should they be involved in an auto accident while driving their own vehicle. This insurance, however, does not extend to cover their employer during the times when the employee is driving on the employers behalf.
Coverage For The Employer
Whether your employee is dropping mail of at the post office or delivering paychecks to a job site, if they are driving on your behalf you are exposed. Every Employer should have non owned/hired auto insurance coverage extended either from their package policy or from their owned auto policy. Many standard policies can be adapted to cover these situations, but in some cases it may be necessary to purchase a separate policy.
Understanding Your Coverage
If you would like to review your auto insurance policy, to see when you are covered and when you are not, contact
Cook, Disharoon & Greathouse. Our agents have been serving California for 60 years, and we would be glad to review your policy with you. If you need additional coverage, we can help you understand what type of coverage you need.
