🚗 Non-Owned Auto Liability for Employers in Canada 🇨🇦
Many Canadian businesses assume auto liability insurance only matters if they own company vehicles. But what if your employees use their personal cars for business—whether for client visits, deliveries, or banking runs? That’s where Non-Owned Auto Liability Insurance becomes essential.
⚡ What It Covers
- Legal Liability ⚖️: Protects your business if an employee causes an accident while driving their own vehicle for work-related purposes.
- Lawsuits & Settlements 💼: Covers legal defence costs and potential damages if your business is named in a claim.
- Supplemental Coverage 🛡️: Acts as a safety net when an employee’s personal auto policy doesn’t provide enough protection.
📌 Example Scenarios
- An employee delivering documents causes a collision, and the injured party sues both the driver and your company.
- A worker running errands for your business damages another vehicle, and the costs exceed their personal insurance limits.
❌ What It Doesn’t Cover
- Damage to the employee’s own vehicle 🚫 — that’s covered under their personal auto policy.
- Personal use unrelated to business activities.
✅ The Takeaway
Non-Owned Auto Liability Insurance is a must-have for employers—especially those who don’t own a company fleet but rely on employees’ vehicles for business tasks. It ensures your company isn’t left vulnerable to unexpected legal or financial risks.
👉 If your employees ever use their own cars for work—even occasionally—reviewing this coverage now could save your business from costly surprises later.
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