If you have a business and you have company-owned vehicles that your employees drive, you probably have business or commercial insurance on those vehicles. However, what about the vehicles your employees own? You don’t need to worry about them when driving to and from work, but you could be putting yourself at risk if you don’t have coverage for them if they are used on company time.
Asking an employee to use his or her personal vehicle to do anything for business, for example go to the bank or picking up mail from the post office, means the vehicle is being used for company business. If there is an accident, your company could be sued and held liable. Making sure you have the right insurance for those types of instances can be what makes or breaks your business.