Business auto insurance still holds a number of unique features such as employer protection. In the event of an accident, the employer could be held accountable for the employee’s mistakes. While the employee is covered by his personal auto insurance, the employer isn’t. In the worst-case scenario, the business may end up billing its own employee for the damages.
In this regard, Decatur, GA auto insurance companies like Focus Insurance Group recommend getting business auto insurance for their fleet. Assuming the employee at fault carries personal auto insurance, the employee’s and the business’ policies can protect both from damages.