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Personal Auto: Business & Volunteer Risk

Using your personal auto for business use, church errands, or volunteer driving can leave you with dangerous insurance gaps if your personal auto policy does not cover those trips. In this Risk Raiders episode, we unpack what happens when you use your own car for work, ministry, side gigs, or nonprofit events and then have an accident. ​ In this video, you’ll learn about: -Personal auto insurance vs business use vs commercial auto coverage -Volunteer drivers using their own cars for church and nonprofit errands -Small business owners letting employees drive personal vehicles on company business -Insurance gaps, denied claims, and how to close those gaps with the right coverage ⏱️ Timestamps 0:00 – Intro: Personal auto vs business and volunteer use 0:45 – Real‑life example: Using your own car for church or nonprofit errands 2:10 – When personal auto insurance treats your trip as “business use” 3:30 – Volunteer driving for church, school, or nonprofit events in your own vehicle 5:05 – Small business risk: Employees using personal cars for company errands 6:40 – How claims adjusters look at business and volunteer use after an accident 8:15 – Common insurance gaps on personal auto policies 10:00 – Endorsements and coverage options that may help close the gap 11:30 – Questions to ask your agent, church, or nonprofit before you drive 13:00 – Key takeaways for personal auto, business use, and volunteer drivers If you drive your own car for work, side gigs, church, school, or nonprofit events, this episode is for you. Share it with business owners, pastors, ministry leaders, and volunteers who might be assuming they are covered when they are not. ​ 🔔 Subscribe to Risk Raiders for more conversations on personal auto insurance, commercial auto, business insurance, church and nonprofit risk management, and real‑world claim scenarios. ⚠️ Disclaimer: This conversation is for general information and entertainment only. It is not legal, tax, or insurance advice and does not change or interpret any specific policy. Always review your own policy and consult directly with your licensed insurance professional, attorney, or accountant about your particular situation. #riskraiders #autoinsuranceusa #BusinessUse #VolunteerDrivers #ChurchInsurance #NonprofitInsurance #smallbusiness #riskmanagement #insuranceeducation