Commercial Auto Insurance for Healthcare Agencies

Reviewed by Misty Kelly, Licensed Property and Casualty Broker with 25 years of healthcare insurance experience. 

Yes, and this is one of the most commonly missed gaps in this industry. When employees use their personal vehicles for work purposes, like driving between client homes, your agency has what's called hired and non-owned auto exposure. If an employee causes an accident while working, their personal auto policy may not fully cover a claim tied to business use, and your agency can be pulled into the liability. Hired and non-owned auto coverage is typically an affordable add-on, but agencies that assume "we don't own vehicles, so we don't need auto coverage" are often carrying more risk than they realize.