Businesses often miss or under manage exposures related to the personal use of non-owned vehicles for company business. If you have an employee “running an errand” to pick up office supplies or a salesperson taking a customer to lunch understand that the business is ultimately responsible for the consequences of their driving. Be certain that employees that use their personal vehicle on company business are screened and have adequate insurance coverage.
Claims of a serious nature can and do occur every day. Here are some simple suggestions aimed at sound loss control and mitigating non-owned auto exposures:
- Check MVR’s of employees who regularly use their vehicles on company business at least once per year.
- Require employees who regularly use their vehicles on company business to carry adequate limits of liability insurance and to provide a copy to you.
- Restrict and limit personal auto use where possible.