Landers Insurance Agency, LLC
OUR MISSION: "Landers Insurance Agency is dedicated to selling a quality and competitive line of insurance. My agency will also provide a timely and courteous service and solutions. We will build and maintain a relationship with all clients and I will strive to make a difference in the communities I service." - Hal Landers

Ask ERIE: How Does Business Auto Coverage Work When…

June 13, 2017 by Landers Admin in News

Ask ERIE: How Does Business Auto Coverage Work When…

With business auto insurance, customers often ask us how coverage works in certain situations. A couple examples would be when employees drive company vehicles for personal reasons or when they drive their personal cars for their job.

With most business auto policies, the coverage follows the vehicle. So if the employee has permission to use the business vehicle for personal reasons, coverage will typically be extended.

Using a personal car for work

If you’re a business owner and your employees use their personal cars for work, coverage is not provided automatically for you through a commercial auto policy. You would need to add hired and non-owned coverage to your policy, which would provide liability coverage if you are sued following an accident. The employee’s car insurance would usually cover the physical damage to the vehicle.

“The commercial auto coverage provides protection for your interests as the business owner, but the employee’s auto coverage may still be required to cover the claim,” says Leo Heintz, vice president and product manager, commercial auto insurance, at Erie Insurance.

Other ways business auto insurance can help protect you

For both owned and leased cars and trucks, business auto insurance offers coverage for:

  • Damages if your car is damaged or destroyed by something other than an accident, such as theft, vandalism or hail when you purchase comprehensive coverage.
  • Uninsured/underinsured motorists if an at-fault driver is unable to pay for damages associated with your injuries.
  • Liability if you’re responsible for harming others or for damaging their vehicles or property.
  • Medical costs for you or your passengers’ injuries as the result of an auto accident.
It can be helpful to work with an insurance professional like an Erie Insurance agent, who can help you select the best coverage for your business and tell you about policies suited to your specific industry. Get in touch with a local ERIE agent today.

Contact

Landers Insurance Agency
514 A North Garden Street
Columbia, Tennessee 38401
Phone: 931-380-2003
Fax: 931-490-9452

Hours: Mon-Fri: 8am-5pm
Closed for Lunch: 12-1pm

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