643 Insurance

Quick question for business owners: Does one of your employees ever run to the bank, grab lunch for the office, or make a client delivery — in their own car?

If yes — you may have a serious coverage gap called Hired & Non-Owned Auto Liability.

Here's the scenario:
→ Employee drives personal car on a work errand
→ Gets in an accident
→ Their personal auto policy may DENY the claim (because it was business use)
→ Your business gets sued
→ YOUR general liability policy likely doesn't cover it either

This is a real gap that real businesses find out about at the worst possible time.

The fix is simple and inexpensive. It's called Hired & Non-Owned Auto coverage, and it can often be added as an endorsement to your commercial policy.

Is your business covered? Let's talk. DM us or visit 643insurance.com.

📅 THURSDAY, JULY 3 — OFFICE CLOSURE ANNOUNCEMENT

Just a heads up from our team — the 643 Insurance office will be closed today, Friday, July 3rd in observance of Independence Day.

We'll be back in the office and ready to help on Monday, July 6th.

If you have an urgent need over the holiday weekend, you can still reach us by email at [email protected] and we'll get back to you first thing Monday morning.

From our family to yours — we hope you have a safe, relaxing, and fun 4th of July! 🎆 Enjoy the cookout, the fireworks, and every moment in between.

See you Monday! 🙌

— The 643 Insurance Team