A review of a commercial insurance program sometimes fails toproduce a business auto policy, and it’s explained that “theinsured owns no autos.” With few exceptions, operating businessentities still face auto liability exposures from non-owned autos,and frequently from hired autos, as well.
In today’s litigious society, accident claimants will often seekrecovery from as many sources as can be found. It’s not difficultto imagine scenarios wherein any company with employees (andpossibly not even operating from a physical location) can still besued based on non-owned auto liability in the aftermath of a motorvehicle accident.
The classic example exists of an employee using their personalvehicle for a work errand. At the accident site, the employeementions, “I was just on an errand for XYZ Company,” and XYZCompany ends up being named in an ensuing lawsuit, particularly ifthe employee doesn’t have sufficient liability limits on hispersonal auto policy.
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