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An informative blog post written by the country's leading provider of security guard company insurance-
Does your private security agency have employees who drive your clients' vehicles? If so, it is possible both you and your client may not be properly covered. That is why it is important that you take note of this alert to avoid coverage gaps.
If your employee drives a vehicle owned or leased by your client, most likely your client will have purchased auto liability insurance for the vehicle. To ensure your client does have auto liability insurance on the vehicle, request to see a Certificate of Insurance.
If your employee acts in a negligent manner while operating the vehicle, your client's auto insurance policy will become the primary source of indemnification. It will only cover your client. A problem will arise if your client's auto insurance carrier subrogates (requests payment) against your private security agency. If this happens, your general liability policy will in most cases not cover your private security agency because most commercial general liability policies exclude ownership, maintenance, use or entrustment of any autos owned, operated, rented or loaned. In this particular instance, "loaned" is the operative term.
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