Non-Owned Auto Liability
Non-Owned Auto Liability is coverage that protects your restaurant when employees use their personal vehicles for business purposes and cause accidents.
What You Need to Know
If your server takes their car to pick up supplies and causes an accident, both the server and your restaurant can be sued. Non-owned auto liability covers your restaurant's liability in these situations.
Why It Matters for Restaurant Owners
Many restaurants use employee personal vehicles for deliveries, supply runs, and bank deposits without realizing the liability exposure. Employee personal auto policies are primary, but they're often inadequate, and your restaurant will be named in lawsuits.
Non-owned auto liability is inexpensive and essential if employees ever use personal vehicles for your business. It's typically added to your commercial auto policy or general liability as an endorsement.
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