A company car is a valuable incentive, particularly for employees who spend a lot of time on the road. However, being on the road carries risks. Accidents can occur, and if someone harbors ill will towards your employee or your company, they may express it through vandalism. The question arises: would the cost of such damages be covered by auto insurance or commercial insurance?

Commercial Insurance is the Best Option in This Case

As the name suggests, personal auto insurance is designed for personal vehicles used for personal purposes such as running errands and commuting. A commercial insurance policy would be the best choice to protect a car that your employee uses for work-related duties. Many personal car insurance policies do not provide coverage for incidents resulting from the business usage of a vehicle. Additionally, the number of miles driven daily is a factor to consider. A personal auto insurance policy may not provide all the coverage you need, especially when a vehicle is owned by a company but driven by an employee. It’s important to note that the policy is only in effect if an employee with a valid driver’s license is behind the wheel.

Contact Everett Insurance in Glen Allen, VA

If you need commercial insurance and live in the Glen Allen, VA, area, please contact Everett Insurance. Our courteous and knowledgeable agents are ready to help you find the policy that best suits your needs and your business.