When you are running a business, it is important to make sure that your employees and property are protected in case of an accident. Commercial vehicle insurance is a type…
This question is probably one that should be asked well before the accident occurs. In a previous article (HNOA Blog), we’ve covered the importance of purchasing Hired and Non Owned Auto Liability Insurance
In our previous blog post, we covered the importance of Hired and Non-Owned Auto (HNOA) coverage. It is just as important to have risk management and loss control procedures in place as it is to have HNOA insurance. After all, you’d want to be able to prevent and reduce exposure, before a serious claim ever materializes.
While there are some home health care agencies that own a fleet of vehicles that are available for their employees to use to get back and forth from a client’s house, it is more common that employees use their own vehicles for business purposes. Consequently, most home health care business owners believe that because they lack any “owned” autos, there is not a need to carry auto insurance