About this episode
What the conversation covers.
California drivers, contractors, and business owners face hidden risks every time they hit the road, and standard insurance policies might not protect them the way they think.
In this episode of Speaking of Insurance , Aaron Bollinger breaks down the critical differences between personal and commercial auto exposures. He explains why standard personal policies often fail during business use, how rising litigation costs and complex vehicle repair technology are driving up insurance rates, and what business owners can easily miss when employees or contractors drive for work.
You’ll learn how vehicle titling, business use disclosures, claim severity, and hired and non-owned auto liability (HNOA) can affect your coverage, audits, and premiums.
In this episode, we cover:
- What actually qualifies as "business driving" versus a normal daily commute
- Why having personal auto insurance doesn't automatically mean you're covered for business activities
- The hidden liability exposures for businesses that don't own any company vehicles (HNOA)
- Real-world insurance risks for contractors, landscapers, and delivery or rideshare drivers
- Why soaring litigation costs and vehicle repair tech are driving up insurance premiums even when crash rates drop
- Practical steps employers and workers can take to evaluate their auto insurance coverage and close dangerous gaps
At Bollinsure Insurance Services, we believe insurance should be an active part of protecting your business; not just a bill you pay once a year.
Hosted by Aaron Bollinger.
Learn more or request an insurance review:
Bollinsure Insurance Services
562-268-9355
quotes@bollinsure.com
California Insurance License #6013787