{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"Is Your Business Covered When Employees Drive for Work? Commercial Auto & Hired and Non-Owned Auto Explained (California)","html":"","width":"100%","height":180,"duration":1052,"description":"Many business owners assume a vehicle is covered just because it has insurance, but that assumption can leave their company exposed to a lawsuit or a costly claim. Aaron Bollinger explains the gaps between personal auto, commercial auto, hired and non-owned auto coverage, and general liability insurance.\n\nUsing real-world business scenarios, Aaron explores how an employee’s personal car used for a work errand can create liability for the business, why a general liability policy may not cover an auto claim, and how California’s minimum auto limits may fall short of a business’s potential exposure.\n\nIn this episode, we cover:\nWhen an employee’s personal vehicle can create business liability\nWhy general liability insurance is not a substitute for commercial auto coverage\nHow hired and non-owned auto coverage applies to business use\nPotential coverage gaps involving rental and borrowed vehicles\nWhy the cheapest policy may leave important exposures unprotected\nWhat to consider when reviewing drivers, vehicle use, and liability limits\nIf your team drives to job sites, picks up supplies, makes deliveries, rents vehicles, or uses personal cars for work, this episode can help you identify questions to raise with your insurance broker. The key takeaway: it’s not enough to ask whether a vehicle is insured. Businesses also need to understand whether their coverage matches how that vehicle is being used.\n\nAt Bollinsure Insurance Services, we believe insurance should be an active part of protecting your financial future, not just a bill you pay once a year.\nSpeaking of Insurance is hosted by Aaron Bollinger and Brian Bollinger of Bollinsure Insurance Services.\n\nLearn more or request an insurance review:\nBollinsure Insurance Services\n562-268-9355\nquotes@bollinsure.com\nCalifornia Insurance License #6013787\n\nRelated Bollinsure resources\nhttps://www.bollinsure.com/commercial-auto\nhttps://www.bollinsure.com/blog/commercial-auto-hnoa-gap","thumbnail_url":"https://img.transistorcdn.com/Kwtahq_FfPLMUz7ez0spP-aXc8k-Jw0pJJEWOhgCwXY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iYzVi/Nzc1YjNjOTJiOTBj/NWNiMTNjMTQ5OGY2/MTBkYS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}