What type of coverage should a business ensure for its sales representatives' vehicles?

For a business that utilizes vehicles driven by its sales representatives, having a non-owned automobile policy is essential. This type of coverage is specifically designed to protect against liabilities arising from the use of vehicles that are not owned by the business but are used for business purposes.

Sales representatives often use their personal vehicles for work-related travel, making it crucial for the business to cover potential liability issues that arise from accidents involving these non-owned vehicles. A non-owned automobile policy will provide coverage for bodily injury and property damage caused to third parties in the event of an accident. This ensures that the business is protected from claims resulting from their employees’ use of personal cars for business activities.

Liability for owned vehicles would not be applicable here, as the business does not own the vehicles being used. Property damage coverage primarily focuses on damage to physical assets and does not address the liability needs associated with the use of non-owned vehicles. Workers' Compensation insurance provides benefits to employees for work-related injuries but does not cover liabilities related to vehicle use. Therefore, the non-owned automobile policy is the most appropriate and comprehensive coverage option for this scenario.