Many business owners assume a vehicle is covered just because it has insurance. That assumption can leave the company exposed when an employee drives a personal car for work, rents a vehicle, or relies on general liability for an auto claim.

Aaron Bollinger explains the gaps between personal auto, commercial auto, hired and non-owned auto, and general liability for California businesses whose teams drive to jobs, pick up supplies, or make deliveries.

What we cover:

• When an employee's personal vehicle can create business liability
• Why general liability is not a substitute for commercial auto coverage
• How hired and non-owned auto coverage applies to business use
• Gaps involving rental and borrowed vehicles, and why cheap policies can miss exposures
• What to review with your broker: drivers, vehicle use, and liability limits

Resources:

• All Speaking of Insurance episodes
• Read the companion guide: Employees drive for work, commercial auto, and HNOA in California
• Commercial auto and hired/non-owned auto gaps
• Commercial auto insurance

Get quoted: Compare coverage options with Bollinsure Insurance Services at www.bollinsure.com/quote, or call 562-268-9355.

This episode is for general education only and is not legal, tax, or coverage advice. Coverage, eligibility, and pricing depend on the carrier, underwriting, and your policy terms.

Click here to view the episode transcript.