If an employee drives a personal car to a customer, what should we ask about?
NAIC says commercial auto policies may cover non-owned vehicles used for business, including employee-owned cars, but the actual policy wording and insureds matter.
Tell the broker who drives, how often, for what work, in which states, and whether rental cars are used. Ask which commercial form addresses those uses and what limits apply.2
Ask employees to review their personal policies as a separate step. The source does not establish that personal auto or a commercial policy automatically covers every business trip.2
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Sources and Further Reading for Sales
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