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Does my business need to have hired or non-owned auto liability insurance?

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Do you or your employees occasional drive a vehicle not owned by the business or the employee uses their own vehicle in the course of business activities?  Then you should consider adding this coverage to your general liability insurance (if you do not have a business auto).  If your employee has an accident driving his/her own car during the course of business and the employee’s auto insurance policy does not provide significant coverage, then your business can be held legally liable for property damage or bodily injury.

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