Have you ever had an employee use their own vehicle in the course of a work day?  It is pretty hard to avoid.  Don't assume the employee's insurance limits are adequate to cover an accident.  This kind of exposure is known as " Non-Owned Auto" and an accident can often result in large claims.  Click here for a great article from Fireman's Fund loss control. 

If you have a fleet, do you have a documented fleet and driver safety program?  These are a great way to reduce your premium on more than just your auto policy. They also contribute to the safety of your guests and workers alike.  We can implement this for you.