Source
r/InsuranceProfessional•
AccordingTrain3025

Employee's Driving Client's Vehicles

Hey y'all, I've got a home health client where their employees drive their clients' vehicles. Obviously we have HNOA for them, but recently, they had 2 situations where the client alleges the employee damaged the vehicle (it's mainly scratches and such, no collision or anything like that).

I am not under the impression that their HNOA policy will cover this. Do y'all know of any way to get coverage for damage to her client's vehicles?

Posted Mar 22, 2022, 7:16 PM UTC

25
_lbass•

Depending on the carrier/state there may be an endorsement that can be added that would add physical damage coverage for the vehicle being driven. The policy language will determine if it would be primary/secondary. In trucking this would be like a trailer interchange with physical damage coverage.

4
AccordingTrain3025OP•

Good deal, thanks for the info. I’ll ask the carrier about that and see if there’s a form available!

1
stillwell6315•

I've written some of these accounts in the past. HNOA coverage is hard to get on these, at least in my experience, unless the insured has very good controls. There is substantial risk for the carrier on these accounts without good controls. A couple of questions I ask is about controls the insured has in place...

If the employees are driving their own vehicles...Do all the employees who are allowed to drive have their own personal auto insurance with minimum 100/300 limits? How is the employer verifying this? Is it part of the employment agreement or handbook that the employee signs off on?

If the employee is driving the client/patient vehicle...there should a part of the contract/agreement with the client that covers this where the patient must maintain coverage at specified minimum limits and the employee added as a driver to that policy, if the insureds policy requires it. Often, I've found that the employee in these scenarios is a family member of the patient, which is also something you should be aware of.

3
Anjapayge•

I haven’t seen HNOA physical damage as a GL endorsement but if HNOA is a separate policy.

1
akstephens89•

This needs to be in the contract for the client that the home health company is not responsible for any damage to client vehicle. Client should be filing this under their own insurance and should have coverage since they gave them permission to drive. Also I advise all my home care clients to not allow employees to drive client vehicles as this is the result.

1