What coverage is needed by a commercial auto insured with employees using their own vehicles for work?

Non-Owned Auto coverage is essential for a commercial auto insured when employees use their own vehicles for work-related activities. This type of coverage protects the business from liability claims arising from the operation of employees' personal vehicles while they are conducting company business.

When an employee uses their own vehicle for work, their personal auto insurance may not fully cover the business in the event of an accident, especially when the vehicle is being used for business purposes. Non-Owned Auto coverage steps in to protect the company against claims that may arise from an accident involving the employee's vehicle during work duties.

This coverage is particularly important because it addresses the gaps that exist between personal auto policies and business liabilities. Without this coverage, the business could be exposed to significant financial risk if an employee were to cause an accident while using their personal vehicle for company work.

Other types of coverage mentioned, such as Owned Auto coverage or Hired Auto coverage, do not apply in this scenario since the vehicles in use are not owned by the business nor rented by it. Comprehensive coverage is related to the protection of the vehicle from non-collision-related damages and does not address liability exposure for business use of personal vehicles.