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QUESTION: What is the minimum automobile liability coverage other agencies require for employees if utilizing their personal vehicles while working? Our agency requires employees to have at least the state minimum coverage from any provider that will cover them for business purposes. This excludes Safe Auto, as they have a business exclusion. We do recommend that employees talk with their agent to determine the best coverage under their policy. We also recommend, but do not require, $100K/$300K liability coverage. *** Our agency requires the Indiana state minimum amount of liability coverage for automobile insurance when employees utilize their personal vehicle while working. This information is a compilation of suggestions, ideas, and opinions shared by INARF Members in response to the featured question. This information should not be considered official interpretation or guidance of State or Federal Policy. Additionally, statements within this document do not necessarily reflect an official position or opinion of INARF.
Our agency requires employees to have at least the state minimum coverage from any provider that will cover them for business purposes. This excludes Safe Auto, as they have a business exclusion. We do recommend that employees talk with their agent to determine the best coverage under their policy. We also recommend, but do not require, $100K/$300K liability coverage.
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Our agency requires the Indiana state minimum amount of liability coverage for automobile insurance when employees utilize their personal vehicle while working.