When To Get Non-Owned Auto Insurance

Non-owned auto insurance vehicles that they require employees to use should have non-owned vehicle insurance for their drivers. Some examples of these are delivery services, taxi companies, and maid or cleaning services. Non-owned vehicle insurance covers the cars if they are damaged while being driven by an employee.

Staffing agency employees

When a staffing or employment agency supplies a contract employee from their pool of workers, the agency is often the one responsible for damage to a client vehicle that was driven by the employee. Non-owned vehicle insurance covers damage to a clients vehicle, as well as to the employee’s vehicle if he or she was operating it in the course of the work day’s duties, for example running an errand for the client.

Laws about non-owned auto insurance differ from area to area, so consult with your agent to see if your business needs a policy.