Let’s say an employee runs to the office supply store in their own car, or a staff member drives their personal vehicle to drop off paperwork at a client’s office. It seems harmless enough, until an accident happens. Patriot Independent Insurance Partners regularly talks with Georgia businesses who assumed their commercial auto policy automatically extended to these situations, only to discover it didn’t.<\/p>\n
These two terms cover different scenarios, but both fill in gaps that a standard commercial auto policy leaves open.<\/p>\n
Without either of these in place, a business can be left exposed if an accident happens during a work-related errand, even if the vehicle itself isn’t company-owned.<\/p>\n
An employee’s personal auto insurance often excludes coverage for accidents that happen while conducting business activities. That leaves a real gap between what the employee’s policy covers and what the business assumes is covered. This ties into the same coverage-awareness theme we discussed in our post about commercial auto coverage gaps for Georgia contractors<\/a>, since overlooked scenarios like these tend to surface at the worst possible time.<\/p>\n If your team runs errands, makes deliveries, or occasionally rents a vehicle for work, it’s worth confirming your commercial auto policy actually accounts for it. Patriot Independent Insurance Partners helps businesses across Georgia close these gaps before they become a real liability. Visit Patriot Independent Insurance Partners<\/a> to review your coverage today.<\/p>\n","protected":false},"excerpt":{"rendered":" The Coverage Gap Most Business Owners Don’t See Coming Let’s say an employee runs to the office supply store in their own car, or a staff member drives their personal vehicle to drop off paperwork at a client’s office. It seems harmless enough, until an accident happens. Patriot Independent Insurance Partners regularly talks with Georgia […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[9,6,5],"class_list":["post-95","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-commercial-insurance","tag-georgia","tag-patriot-independent-insurance-partners"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\tA Quick Policy Review Can Prevent a Big Problem<\/h3>\n