Employer Liability for Employee Driving
If your business employs individuals who drive company-owned vehicles or use personal vehicles for work-related tasks, your company may be held liable for their negligence. In the event of a serious accident, damages can be extensive or even unlimited. Without sufficient insurance coverage, your business may be responsible for the full cost of legal defense, settlements, or court-awarded damages.
Risks of Employees Using Personal Vehicles
When employees use their own vehicles for business purposes—such as making deliveries or running company errands—your existing insurance coverage may not apply. Many businesses carry general liability insurance and assume it provides comprehensive protection. However, most general liability policies do not cover automobile-related accidents, leaving a significant gap in coverage.
Reviewing and Updating Your Insurance Policies
It is critical to review your insurance coverage with your insurance agent to understand what is included and what is excluded. Many business insurance providers offer commercial auto or non-owned auto policies that specifically protect companies when employees drive personal vehicles during the course of their employment.
When to Contact an Attorney
If an employee is involved in an accident while performing job-related duties, consulting an attorney with substantial experience in accident and insurance law is essential. Your business is a valuable investment, and a single lawsuit has the potential to threaten everything you have built.
Legal Guidance You Can Trust
The accident injury attorneys at Van Egmond & Heitlinger, APC place a strong emphasis on insurance law and accident injury cases. They can help you understand your rights as a defendant, assess potential liability, and gain a clear picture of the possible outcomes of your case.