Do you have employees who drive for you and use their personal vehicles? If so, check their insurance limits. If they are using their vehicles for business use and get involved in an at-fault accident, you could be brought in if they are uninsured or underinsured. Two rules of thumb here:

1. Create a minimum limit of insurance (I recommend $100,000)

2. Make sure you have Non-Owned & Hired Auto Liability coverage

This issue is most prevalent with sales people, contractors, executives, and delivery people.

Don’t get caught on the short end of the stick if your employee isn’t properly insured. Check for their insurance…it’s your right.

© 2010 Dan Weedin. All Rights Reserved

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