What Insurance Coverage Is Needed On The Business End For A For Profit Designated Driver Service And Its Drivers?

So my company would drive the customers car. What type and will I need insurance to cover “at fault damage of any kind or theft”. What is possibly covered by the customers insurance? Can my customers sign their right to only sue the driver not the company? (Completely clueless)

  1. 285 POINTS
    Keith Prim
    Agent, Farmers Insurance Company, Dallas, TX
    If the Company is paying its employees to drive the vehicles, the company must have a Commercial Auto Policy.  The commercial auto policy also must include non-owned vehicle coverage when your employees are driving the car.  The customer cannot sign an agreement to only sue the driver because the insurance company the customer has is required to act on behalf of the customer regarding subrogation.  The company's insurance will be responsible for any damage or theft while the vehicle is in the company employee's possesion.

    Keith Prim - Dallas - 214-435-0791
    Answered on December 12, 2013
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