I had always wondered about the specifics of insurance coverage related to my employees using their own vehicles for business use. But as usual - I was always too busy to contact my Westfield independent agent and find out. I figured my employees were covered under their own policy - so I really didn't have to worry. Then one of my employees was responsible for an accident - and I learned the hard way that there were gaps between their personal auto coverage and my business policy. I sure wish I had made that call…