How to Add Employees to Business Auto Insurance
- 1). Add a statement of accident and violation history to every application for a job that requires an employee to go on the company's auto policy. Seriously consider rejecting even qualified applicants with a bad driving record.
- 2). Collect the information your insurance company will need to add an employee to the policy. This usually includes full name, recently used former names, birth date and social security number. Your agent will be able to tell you if he needs more.
- 3). Inform your agent or insurance representative that you are considering adding an employee to the auto policy. Explain your information and ask how that person will affect your premiums. Once the rep gives you an answer, ask that representative to confirm your information about the employee's driving record. The representative is making that cost analysis based on the company's access to official reports.
- 4). Consider terminating the employee if the driving record she gave you is far off from the official record. Don't worry if she was off by a year on a ticket or a similar mistake, but failure to report a poor driving history means the employee is both dangerous and dishonest.
- 5). Tell your agent to go ahead and add the employee, provided the driving records match and the cost is within reasonable parameters.
- 6). Account for any added premium payments in your company or department's budget.
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