• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us Call Us Today | 864.964.0622
Select Insurance, LLC
Get A Quote Now
  • Home
  • Get A Quote
  • What We Offer
    • Automobile
    • Bonds
    • Business & Commercial
    • Collision
    • Dental
    • Farm
    • Flood
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • SR-22
    • Trucking
    • Vision
    • Watercraft & Boat
    • Windstorm
  • Customer Service
  • File a Claim
  • Make a Payment
  • Blog
  • Resources
    • Important Links
    • Important Files
    • Partners
    • Refer a Friend
  • About Us
    • About Select Insurance, LLC
    • Customer Testimonials
    • Employee Directory
    • Our Locations
    • Privacy Policy
  • Where We Serve
    • Abbeville
    • Anderson
    • Greenville
    • Spartanburg
    • Honea Path
  • Contact
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Home & Renters Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different coverage options that fit your specific needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog > How Does Commercial Auto Insurance Work with Multiple Employees?
MONDAY, FEBRUARY 22, 2021

How Does Commercial Auto Insurance Work with Multiple Employees?

white commercial van driving down a street

Commercial auto insurance is a common necessity for businesses that own or use vehicles for work purposes. There are many factors that can influence the cost of your business’ commercial auto insurance—including the driving records of your employees. Having more than one employee driving multiple vehicles can make your commercial auto insurance complicated as well as driving up your premiums.

Just like with a personal auto insurance policy, commercial auto insurance considers driving records in the calculation of premiums. Unlike personal vehicles, however, a commercial vehicle may have multiple drivers. Anyone listed on the policy may influence the rates of that policy. This is why it is important to vet your possible drivers carefully.

There are three “parties” that may be covered under commercial auto insurance:

  • The Insured: The insured is generally the business or policy owner. Whoever primarily holds the policy and is written as covered is the insured. There can be multiple people labeled as drivers on a policy, but only one pays for and maintains the policy in their name.
  • Permissible Drivers: Permissible, or permissive users, is anyone who is allowed to borrow the insured vehicle with permission. This may include employees who share a work van or borrow your insured truck to deliver equipment.
  • Omnibus Insureds: An omnibus insured is simply anyone who can be held accountable for the insured or permissive driver’s actions while operating the insured vehicle.

Should Employees Be Named on Your Commercial Auto Insurance Policy?

Most large businesses with hundreds of employees either provide individual company vehicles or only have employees labeled as permissive drivers rather than named explicitly on the policy. This is because the employees will be covered even if you simply give them permission to operate the vehicle.

Keep in mind that these policies have certain limitations. Not all commercial auto insurance policies cover hired or rented vehicles. If you do not have this coverage, employees will not be covered if they borrow a vehicle that your business has hired, borrowed or rented. Always be sure to speak with your insurance agent about the limitations and exclusions of your commercial car insurance policy to avoid unexpected expenses after an accident.

Some businesses allow (or even require) employees to use their own vehicles. In this case, the vehicles are considered non-owned autos.

Speak with your insurance agent about choosing the right employees to operate your business’ commercial vehicles.

Also Read: Does Commercial Auto Insurance Cover Rental Cars?

Get a Quote

Posted 5:15 PM

Tags: commercial auto insurance, business insurance, select insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2011
  • 2010
  • 2009
  • 2008

  • select insurance(42)
  • business insurance(13)
  • auto insurance(12)
  • car insurance(10)
  • contractors insurance(7)
  • home insurance(7)
  • boat insurance(6)
  • commercial auto insurance(5)
  • motorcycle insurance(4)
  • commercial insurance(4)
  • life insurance(2)
  • general liability insurance(2)
  • workers compensation insurance(2)
  • covid-19(2)
  • classic car insurance(2)
  • moving(1)
  • construction insurance(1)
  • renters insurance(1)
  • flood insurance(1)
  • umbrella coverage(1)
  • liability insurance(1)
  • watercraft insurance(1)
  • insurance(1)
  • foremost insurance(1)
  • roadside assistance(1)
  • general liability(1)
  • upstate south carolina(1)
  • hurricane(1)
  • pet insurance(1)
  • homeowners insurance(1)
  • preparedness(1)
  • hurricane insurance(1)
  • umbrella policy(1)
  • personal umbrella insurance(1)
  • home(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Allstate
Progressive
Safeco
Travelers
Foremost
National General
Great American
Twitter

Resources

About Us Get a Quote Join Our Mailing List Contact Us

Contact Us

Map
  • Primary Location
  • 1026 S Main Street
  • Anderson, SC 29264
  • –
  • O: 864.964.0622
  • F: 864.964.1636
  • Click for other office locations
© Copyright 2021. All rights reserved.
Powered by Insurance Website Builder