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
- Launch Your Business: Get Business Insurance — U.S. Small Business Administration. Get business insurance and four steps to buy; general coverage categories and quote comparison guidance. Do not rely on the page’s overbroad employee insurance statement.
- Small Business Insurance — National Association of Insurance Commissioners. BOP and exclusions; general liability and exclusions; professional liability, crime and cyber; business property. General educational descriptions, not policy terms.
NAIC descriptions of general liability, professional services, crime and auto categories.
- Cybersecurity for Small Business — Federal Trade Commission. Supplier risk, response planning and cyber-insurance buyer questions. Educational guidance, not policy wording.
FTC supplier and cyber-policy buyer questions.
- Cyber Insurance — Federal Trade Commission (content developed with NAIC and federal partners). First-party coverage, lines 46–77; third-party coverage, lines 78–102. Examples are not a promise for any policy.
FTC cyber first-party and third-party examples.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024; commercial property, inland marine, boiler and machinery/equipment breakdown, commercial general liability, commercial auto, umbrella, and workers compensation. California-focused guidance; confirm other jurisdictions and actual policy wording.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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