NON-OWNED AUTOMOBILE

Employees that operate their own vehicles, instead of company-owned vehicles, to carry out the insured’s business create liability exposure just as if they are driving a company owned vehicle.  Examples of such employees:

§         route drivers and other delivery persons

§         inspectors and testers

§         repair and maintenance personnel

§         sales representatives

§         construction employees or supervisors that visit multiple job-sites

The optional coverage for non-owned automobile liability assumes the employee has adequate limits of personal automobile insurance, and the rating for the coverage is based on this assumption.  On an annual basis, the employer should obtain a copy of the employee’s personal auto policy (not an auto ID card) and confirm that they carry at least $100,000/$300,000 automobile liability limits.  There is no coverage for the physical damage to the employee’s vehicle.