Who needs commercial auto insurance?

It’s estimated that one in four workplace deaths are due to motor vehicle accidents. Are you a business owner who uses one or more vehicles during the course of business? Do you often rents or leases vehicles for business purposes? Do your employees use their personal vehicles for business purposes? If so, don’t count on your General Business Policy to protect you in the case of an accident – or worse. Alabama requires a minimum amount of liability insurance on all personal vehicles, so chances are your employees will at least carry some auto liability insurance. But, most commercial policies won’t cover an employee’s personal liability (just company liability), and most won’t reimburse employees for damage caused to personal vehicles used for company business. So, to protect business assets, adding Commercial Auto Insurance to a business policy is a smart move.