Many times as a business owner you are put in a position where you must call upon an employee to run to the hardware store, pickup office supplies or just to go pickup lunch. Just think of it in these terms, if someone (paid or volunteer) is driving on behalf of your company in a vehicle your company does not own, there is a potential gap in coverage.  The driver’s insurance would be the primary insurance, but if their limits were not high enough to cover the damages from an accident, your company would be liable for the balance.   Normally, a business auto insurance policy will only insure your company vehicles and will not cover a non-owned auto vehicle. Therefore, it is important that you find out if they are included.  If they are not, you might want to consider adding them.  Another factor to consider is that if they have not listed their vehicle for business use, there may be no coverage at all.