Author Archives: Beacon Insurance Partners

You say your company owns no vehicles. Therefore, your company requires no commercial auto insurance.

Sorry, but it’s not that easy. Have you heard of Hired/Non-Owned Auto insurance?

Hired/Non-Owned Auto insurance is commonly found on commercial general liability insurance policies for small businesses in Florida. If your company’s employees and contractors (yes, 1099s) drive their own vehicles, leased vehicles or otherwise non-owned vehicles for company use, your company should have Hired/Non-Owned Auto insurance.

What do we mean when we say vehicles “for company use?” We don’t mean daily commuting to and from the office but it could be a coffee run before a staff meeting or a quick trip to FedEx. It could be a drive from home to see a client before going to work or it might be a rental car in another city.

You’re probably thinking, “Employees have their own personal auto insurance policies so why should I worry?” Because some of their policies might specifically exclude coverage for business use, or because the coverage limit on a personal auto policy might not be enough to cover a given damage claim.

Here’s another question to ponder. Where is a personal-injury attorney likely to look to recover damages, if your employee’s personal auto insurance doesn’t cover them? The answer is your company when that lawyer discovers that your employee was driving for business.

Hired/Non-Owned Auto insurance typically pays for third-party bodily injury and property damage liability. And even if a claim against your company is bogus, Hired/Non-Owned Auto insurance is handy because it pays attorneys and legal expenses to make that mess disappear.

Ask more questions at or call at 813.343.0076.

For those of us who maxed out their crapacity for dismal news earlier than usual this week, we share this ray of hope. We now return you to your regularly scheduled anxiety. Someone is working on that, right? I mean, that’s being fixed … so it won’t happen, again … right? Here’s another question. Can you… Continue Reading

Welcome to the latest installment in our sporadic series on the ABCs of Florida homeowners insurance. For your insurable pleasure we present Coverage B: Other Structures. If you own a fence, a gazebo, a guest house, a detached porch, pool and garage, you own a lot of valuable property defined as “other structures,” which might… Continue Reading

Please wait...

Subscribe to our newsletter

Want to be notified when our article is published? Enter your email address and name below to be the first to know.