Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a company asks an employee to run an errand or visit a customer or vendor using that employee’s car.

The business may be legally liable for anything an employee acting on its behalf does while behind the wheel. Lawsuits and accompanying legal costs may confront the business if they have an accident, putting the company’s assets at risk.

Many business automobile insurance policies cover this situation, but they do not do so automatically. Non-Owned Auto Coverage Essential for Any Business

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