--- title: Do you drive a company car? Are you properly insured? description: If you drive a company car, make sure you have the appropriate coverage when running a personal errand to the grocery store or renting a car on vacation. image: https://www.thesilverlining.com/hubfs/images/hands-on-wheel.jpg --- [![West Bend Insurance](https://www.thesilverlining.com/hs-fs/hubfs/HS%20TEST%20LOGO.png?width=233&height=65&name=HS%20TEST%20LOGO.png "West Bend Insurance")](https://www.thesilverlining.com) ![toggle mobile navigation](https://www.thesilverlining.com/hs-fs/file-1692861603-png/images/nav-toggle.png) [![West Bend Insurance](https://www.thesilverlining.com/hs-fs/file-1696307430-png/images/logo-west-bend.png)](https://www.thesilverlining.com/) [Find An Agent](https://www.thesilverlining.com/find-an-insurance-agent) ![](https://www.thesilverlining.com/hs-fs/file-1738392330-jpg/images/banner-blog.jpg) # Do you drive a company car? Are you properly insured? Posted by [Scott Stueber, CPCU, CISR, AAI](https://www.thesilverlining.com/westbendcares/blog/author/scott-stueber) on Apr 12, 2016 10:50:18 AM [![Share on facebook](https://www.thesilverlining.com/hubfs/social-icons/facebook-blue.svg) ](http://www.facebook.com/share.php?u=https://www.thesilverlining.com/westbendcares/blog/do-you-drive-a-company-car-are-you-properly-insured?utm_medium=social&utm_source=facebook) [![Share on linkedin](https://www.thesilverlining.com/hubfs/social-icons/linkedin-blue.svg) ](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thesilverlining.com/westbendcares/blog/do-you-drive-a-company-car-are-you-properly-insured?utm_medium=social&utm_source=linkedin) [![Share on twitter](https://www.thesilverlining.com/hubfs/social-icons/twitter-x-blue.svg) ](https://twitter.com/intent/tweet?original_referer=https://www.thesilverlining.com/westbendcares/blog/do-you-drive-a-company-car-are-you-properly-insured?utm_medium=social&utm_source=twitter&url=https://www.thesilverlining.com/westbendcares/blog/do-you-drive-a-company-car-are-you-properly-insured?utm_medium=social&utm_source=twitter&source=tweetbutton&text=) [![Share on pinterest](https://www.thesilverlining.com/hubfs/social-icons/pinterest-blue.svg) ](http://pinterest.com/pin/create/button/?url=https%3A%2F%2Fwww.thesilverlining.com%2Fwestbendcares%2Fblog%2Fdo-you-drive-a-company-car-are-you-properly-insured%3Futm_medium%3Dsocial%26utm_source%3Dpinterest&media=) ![Interior of semi truck driving down the road, looking out windshield and hand on steering wheel.](https://www.thesilverlining.com/hs-fs/hubfs/images/hands-on-wheel.jpg?width=260&height=173&name=hands-on-wheel.jpg)Suppose you’re driving your “company-furnished” vehicle on a personal errand to the grocery store and are involved in a very serious accident. Will you have the proper insurance coverage? It’s possible you may not. Maybe your employer’s business auto policy doesn’t cover you when you’re using a company vehicle on personal business. Even if the policy provides you with coverage, the limits of liability may be too low. If you’re sued, you could be personally responsible for damages. How do you protect yourself if you drive a company-furnished vehicle? It’s easy to do if you already own a different vehicle and insure it under a personal auto policy. Simply add Extended Non-Owned Auto coverage to it. This endorsement – on your own personal auto policy – provides you with personal auto insurance while you’re driving any non-owned auto furnished or available for your regular use. So what should you do if you don’t own another vehicle with insurance coverage? Purchase a Named Non-Owned Auto policy. This will also provide you with the personal auto coverage you’ll need. If that’s not enough reason to make sure you have either Extended Non-Owned Auto coverage or Named Non-Owner Auto coverage, here’s another: Let’s say you go on vacation and want to rent a vehicle. Your employer’s business auto policy isn’t going to extend coverage to you for that rental. On the other hand, Extended Non-Owned Auto or Named Non-Owned Auto WILL provide this liability coverage. Be sure to talk to your insurance agent about these valuable coverages. Depending on your occupation, there may be some stipulations. *This article is intended for general educational and illustrative purposes only and should not be construed to communicate legal or professional advice.  Further, this article is not an offer to sell insurance.  Please consult with your licensed insurance agent for specific coverage details and your insurance eligibility.  All policies are subject to the terms, conditions, limitations, definitions, and exclusions contained therein. * **Topics:** [Auto Insurance](https://www.thesilverlining.com/westbendcares/blog/topic/auto-insurance) If you’re a content writer and would like to contribute to our blog, click [here](https://www.thesilverlining.com/content-contributor-agreement) to read our guidelines. ![Scott Stueber, CPCU, CISR, AAI](https://www.thesilverlining.com/hubfs/images/wbcares-Scott-Stueber1.jpg) #### Scott Stueber, CPCU, CISR, AAI Scott Stueber is a 26-year insurance veteran employed by West Bend since 1997. He holds a bachelor’s degree in marketing from the University of Wisconsin–Oshkosh. His insurance expertise is backed by several designations he’s earned over the years: Accredited Advisor Insurance (AAI), Certified Insurance Service Representative (CISR), and Chartered Property Casualty Underwriter (CPCU). He’s also a licensed insurance agent. Scott has been sharing his expert advice through the successful West Bend Cares blog since October 2012. He’s authored hundreds of helpful and relevant articles on a variety of topics including home, auto, and business insurance; claim prevention; and family safety tips. When he’s not creating content, Scott enjoys spending time with his family (including their lovable, orange tabby cat, Toulouse), traveling, riding his motorcycle, and playing Xbox. 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