What type of coverage applies when an employee uses their personal vehicle for work-related tasks?

Employer’s non-ownership coverage applies in situations where an employee uses their personal vehicle for work-related tasks. This type of coverage protects the employer from liability when an employee is driving their own vehicle while performing duties for the employer. If an employee is in an accident while using their own car for business purposes, the employer's non-ownership insurance would cover the employer's liability, since the employee's personal auto insurance may not fully cover the situation when used for business tasks.

While a personal auto policy generally covers personal use of a vehicle, it does not extend to business-related activities. A business auto policy is designed for vehicles that are owned or leased by the business itself, which would not apply to personal vehicles used by employees. Workers’ compensation insurance covers injuries that employees may sustain while on the job, but it does not specifically address liability arising from vehicle use. Therefore, employer’s non-ownership coverage is the most appropriate answer for protecting the employer in this context.