Do Consultants Need Commercial Auto Insurance?
Consultants who drive to client sites, carry equipment, or send employees on work trips should consider commercial auto and hired/non-owned coverage.
A consultant who rarely drives for work may have a different need, but a personal policy may not protect the business entity. A personal auto policy may allow some work use, but it may not protect the business entity or cover every business-driving pattern. California’s guide explains that business and non-owned auto coverages may be selected based on the company’s needs.
If employees use their own cars for errands or client visits, HNOA may be relevant to the company’s liability even though it does not make their vehicles company-owned. A hired auto exposure can arise from rentals during business travel.
Describe trip frequency, who drives, car ownership, and whether clients or equipment ride in the vehicle. Check whether the business is named, which drivers and uses are covered, and whether your client contracts require auto liability limits.
2 documents, numbered as cited. Open the sources