It pays first, and that is the problem. The employee’s policy is primary by statute and may carry only the state minimum of $30,000 per person, $60,000 per accident and $15,000 property damage. It may also exclude business use, delivery or livery, which is a policy-form term to check. A serious injury claim exceeds those limits, and the injured person then sues the business, which is what hired and non-owned auto liability answers.
Related FAQs
If employees drive their own cars for deliveries, sales calls or errands, or the business rents vehicles, yes. The exposure comes from the driving, not from ownership. General liability ...
Yes. For a business with no owned vehicles it is commonly endorsed onto the general liability or businessowners policy, or written on its own. A business that owns or ...
No. It is liability coverage for claims against the business by people hurt or property damaged by the driving. Damage to the employee’s own car is the employee’s collision coverage, ...
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