Commercial Auto Policies: Hired and Non-Owned Coverage

By: William Forbes

This is a great article from ErieSense on commercial auto policies and some of the coverages they offer (link here). I wanted to specifically highlight something called "hired and non-owned" coverage.

This coverage protects you, the business owner, when your employees are driving their personal vehicles for work use. And, also, when your employees rent vehicles for business use. It provides liability coverage if you are sued following an accident.

It's important to remember that coverage is not automatically extended to an employee's personal vehicle, when he/she is driving it for work use. To get this protection, you must have hired and non-owned coverage on your business auto policy.

If you are a business owner with a commercial auto policy, talk to your agent to verify your coverages.

(Full link to article: https://www.erieinsurance.com/blog/business-auto-coverage)

Making Your Home Playground Safe

By: Nicole Vattimo

ErieSense posted an article that's especially relevant in these summer months, when the kiddies are out of school. The post addresses home playgrounds and how to keep them safe for use. The post advises homeowners to do these six things:

  1. Measure out a distinct play space.
  2. Make sure the playset is installed properly.
  3. Install a shock-absorbing surface beneath the playground (i.e. mulch, wood chips or shredded rubber).
  4. Check the hardware for sharp, exposed edges, and to be sure it's not rusted.
  5. Be sure there are no fall hazards by installing guardrails on ramps or platforms.
  6. Perform regular monthly maintenance on the playset.

For more information on these tips, check out Erie's blog post: https://www.erieinsurance.com/blog/home-playground-safety.

For questions about your homeowners insurance, always contact your agent.