Business owners must understand the liability for having employees use their business or personal vehicles, and do what they can to reduce it.
Having your employees provide their auto usage to conduct your business has a certain amount of concern in regards to the protection that they have on their autos. If they’re involved in an accident with their personal auto, then their policy will be the first policy to be used. The business owner needs to make that those limits are adequate in order to protect those losses. And also, is the vehicle a safe vehicle? And is the driver competent to drive behind the wheel? We a lot of times don’t check the drivers because we think they’re operating their own vehicles and some of the biggest losses come from that regard because we didn’t take care of everything.