Commercial Auto Insurance for Residential Assisted Living Facilities: Keeping Your Transport Fleet Protected

Introduction

Many residential assisted living facilities offer transport services for residents. Commercial auto insurance helps safeguard your fleet and drivers in case of accidents or vehicle damage.

Key Benefits of Commercial Auto Insurance

• Accident Protection: Covers costs related to accidents, helping to reduce out-of-pocket expenses.
• Liability Coverage: Protects your facility from claims if your vehicle is involved in an accident causing injury to another person.

Learn More: Insurance Information Institute

What is Hired and Non-Owned Auto Coverage?

In addition to standard commercial auto insurance, Hired and Non-Owned Auto Coverage is an essential component that protects your residential assisted living facility when employees or volunteers drive personal vehicles for business purposes.

Hired Auto Coverage

This portion of coverage applies when your facility rents or leases a vehicle for business use. Whether it’s for transporting residents to medical appointments or for facility errands, hired auto coverage protects you in the event of an accident involving the rented vehicle.

Non-Owned Auto Coverage

Non-owned auto coverage comes into play when an employee or volunteer uses their personal vehicle for business activities. This includes driving to a meeting, making deliveries, or transporting residents. Even though the vehicle is not owned by your facility, non-owned auto coverage helps protect your business from liability in case of an accident.

Why It’s Important for Residential Assisted Living Facilities

Facilities that rely on staff or contractors to drive personal vehicles for business purposes face significant risks. Hired and non-owned auto coverage can help protect your business from costly accidents, legal claims, and medical expenses, ensuring that both your facility and employees are covered.

By having this additional coverage, your facility can maintain proper protection even when vehicles aren’t directly owned by the business, providing peace of mind knowing you’re protected in various driving scenarios.

Conclusion

Whether transporting residents to appointments or for activities, commercial auto insurance ensures your vehicles and drivers are covered. Contact us to learn more about commercial auto insurance options. Please visit Policy People Insurance Group, get a quote HERE, or give us a call today.