Block Insurance - Child Care Insurance Specialist

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A Gallon of Milk Can Ruin Your Whole Day!

Lunch time is 45 minutes away. You realize that you don't have enough milk to serve all the children, so you ask an employee to run to the store and pick up the needed milk. On the way to the store they have an accident; your employee is charged. The driver and passengers in the other car are injured. After their auto insurance pays the mandatory personal injury protection benefits you receive a letter from an attorney. You find out that your employee has no auto insurance and that they have received a citation for Driving Under the Influence in the past five years.

Ultimately, you are being held responsible for the accident your employee caused while running an errand for you in their personal automobile. The injuries are substantial and your insurance company is very unhappy to learn that you entrusted an employee without personal auto insurance and a poor driving record to run an errand.

The good news is: you can prevent such an unpleasant circumstance by instituting and maintaining a few controls. First, keep a copy of each employee's drivers license in their file. Second, have your insurance agent provide a copy of their Motor Vehicle Report (MVR) to keep in the employee's file. Third, keep a current copy of each employee's auto insurance policy in their file. Fourth, whenever possible have employee's use company vehicles for errands.

If an employee is unable to provide any of the required information or has a poor driving record don't allow them to run errands! Why ruin your day over a gallon of milk?

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