If your business doesn’t own any automobiles but your employees periodically run errands or do other business using their personal vehicle, you have some special commercial auto considerations.
Your employees’ personal auto insurance may cover intermittent use of their own vehicle for work purposes, such as going to meetings or picking up supplies. But take caution: the items transported might not have coverage. If the driver is in an accident and valuable cargo—a business computer or other equipment or product—is damaged or destroyed, your company might find there is no insurance payout for that loss.
A non-owned business auto policy might be a good solution for your company. Depending on the driving duties of your employees, this coverage is often a good investment that protects your company from uncovered liability and property loss exposures.