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Comment on Employee owned vehicles and employer liability / webinar registration
April 25,  2022
Comment on Employee owned vehicles and employer liability from article on April 18, 2022
          Non-owned liability insurance is an auto insurance policy.  Some carriers (like Security America) add this coverage to a packaged general liability policy.  But please realize it is auto liability and not general liability. 
          Same with E&O coverage (professional liability).  E&O coverage is separate from the general liability coverage.  Often insurance carriers will use the same policy number for multiple line items by packaging (bundling) coverages together into one policy number. 
          Non-owned auto liability insurance:
  *  If employees get into an accident while using their own or a rented vehicle
for business purposes non-owned auto liability policies transfer the risks to your insurer. However, it’s important to remember that this coverage protects your business and not the employee driving the vehicle.
  *  If your employees get into an accident and you are sued, legal costs can add up
quickly. Non-owned auto liability policies help organizations cover legal expenses following a claim.
  *  Protection that accounts for employees of all statuses; Hired and non-owned auto liability policies can provide coverage for all of your staff, regardless if they are full-time, part-time or temporary employees. This is particularly useful for organizations that hire additional staff during busy periods
  *  Coverage beyond basic policies;  If your organization allows employees to use personal vehicles for work, chances are your general liability and auto policies offer insufficient protection. Non-owned auto insurance offers unique coverage often excluded in standard policies, ensuring your organization is insured for accident.
          I want to clear up a few issues. 
          When is your employee working and not working?  Commuting to the workplace is not working; your employee can use their own transportation and if they get into an accident on the way in or on the way home, they are not working and you should not be liable as the employer.
          If the employee stops for a work related matter, either on the way in or on the way home, that employee could be considered working; you could be liable.
          If the employee is permitted to leave the workplace for lunch or on a break, they employee is not working.  But if the employee leaves for lunch and does a business related chore, you can be liable because the employee is working.
          You need Non-owned automobile insurance whether the employee is driving a vehicle owned by the employee, leased or rented by the employee, owned by someone other than the employee or leased or rented by someone other than the employee.  The point is, if the employee is driving a vehicle for work related purposes you can be held liable as the employer. 
          We all carry insurance we hope we won’t ever need, from health, disability, death, dental, home owners, auto, business liability, and lots more I don’t even want to think about.  The moment you wake up and roll out of bed your potential liability starts, and for those with employees, your time is all the time, even while you’re sleeping.  You have to decide the risk you want to take, but auto accidents are fairly common and too many employees don’t carry enough insurance to satisfy most accident claims. 
          Shawn didn’t mention what the cost of this coverage is when adding it to your general liability policy [which should already have added the E&O coverage].  Check with your broker or call Security America direct; it’s listed in The Alarm Exchange.

Webinar on assistance getting licensed
Webinar Title:  Filing for and renewing your alarm license
Topic Details:  Once you know where you need the license and what license you need, and you know you’re qualified, The Cmoor Group handles the minutia details filing for the license and has the software to monitor for renewal compliance.
When:  May 3, 2022 at 12 PM ET
Presenter:  Connie Moorhead, President of The CMOOR Group. or call 502-254-1590, ext. 101
Hosted by: Ken Kirschenbaum,Esq
Who should attend:  license holders, license compliance officers, owners, managers
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Ken Kirschenbaum,Esq
Kirschenbaum & Kirschenbaum PC
Attorneys at Law
200 Garden City Plaza
Garden City, NY 11530
516 747 6700 x 301