While you trust your employees, it is likely that their care for business vehicles will be less scrupulous than for their own vehicles. In addition, the requirements of the job may force them to park in unsafe areas or make sudden starts or stops. Furthermore, while you hope that they will drive safely, it is likely that they will talk on their cell phones or use texting to handle business issues while at the wheel.
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The above behaviors can lead to damage to your vehicles. A car could be damaged in an accident or theft. An employee could suffer physical injury. Just as bad, a customer’s business could be damaged or a bystander could be injured by the driver of one of your trucks.
In all of these instances, it is critical that you have insurance coverage. Louis Campisano and Farmers Insurance offer a number of policies that will protect you. Comprehensive insurance will address damage from theft or vandalism. Collision insurance will protect you from damage as a result of accidents. Liability coverage will pay for damage to a person or property as a result of your employee’s driving. You may also want to ask Louis Campisano about umbrella coverage so that your business is protected from a lawsuit seeking damages above your liability limits.