If your employee causes a crash while driving a personal vehicle for business purposes, your company may be held liable. Since your employee was on the job at the time of the crash, your company may be responsible for an injured driver’s medical bills and lost pay due to the crash that exceeds your employee’s personal auto insurance limits. Because employers have no control over the level of personal auto liability insurance employees carry, commercial auto insurance, and more specifically, hired and non-owned auto insurance, is an important coverage to consider as an employer. Read more about the Commercial Auto Insurance.