You Need to Have Business Car Insurance in Florida – Big or Small
You may think that because you have a small business with few employees who drive their own vehicles for business purposes, that it might be your assumption that you do not need business car insurance. Your employees may not have adequate auto insurance therefore you may not always have proper coverage if they should be involved in an accident.
In case an employee gets into an accident while driving on a company business, you could be in for a big battle on who must pay the damages. Even if in theory, the car insurance of your employee should cover them, if an attorney gets involved your company could be held liable and end up paying. When you consider all of the risk, it will not be worth the small amount of you might save to go without business car insurance in Florida.
It would be more complicated if you outsource the delivery for your small business with subcontractors. They may have their own insurance but they still can be considered working for your company. Even though they may work for a number of other companies if they were carrying goods for you during the accident you may be deemed liable. If you get sued you want to be able to turn litigation over to an auto insurance company and spend your time managing, developing, and a making money for your company in lieu of fighting and worrying with the battle between lawyers.
You don’t want to get caught holding the bag. Bear in mind that business car insurance is a bit different from your personal car insurance policy. Business car insurance gives you a bit more suppleness on the vehicles and who is specifically driving them. It provides coverage for employee vehicles during work hours and company vehicles with different employees listed under the business car insurance policy. You want to take every precaution that your company would not be held liable in the event of an accident.
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