Sorry...You're Exposed

What you need to know


If you own a buisnrss you're exposed to liability on a daily basis.  Employer's Non Owned Liability provides liability insurance when your employees use their cars to run errands for your business.  If your employees use their own cars for sales visits, trips to the hardware store or bank deposits for your business, you could be liable for any accidents they have.





What If 

You send your employee to the hardware store to pick up a couple things you need to finish the job today.   On the way to the store, your employee gets into a crash, rear ends another car.  Are you exposed to liability?

The other car has damage and other driver goes to the hospital.  Since your employee was driving for work, his/her personal auto insurance might not cover medical bills.  But you have Employer's Non-Owned Liability coverage and your insurance will pay the other driver's medical bills up to the limits in your policy.  Preventing you from getting sued.