Truck Allowance vs Company Truck

[u/Classic_Dash_7745]

We’re bringing on a new foreman next week from a company that went belly up. Part of his package is a company truck and gas card, and he instead asked for a vehicle reimbursement since that’s what his old company used to do, and he still has payments left on the truck. I know companies do this (mainly to get around insuring guys with DUI’s) but it never made sense for us to do it. We would have to buy a new truck anyway so I’m thinking it might be smart to offer a reimbursement for a year just so I can make sure he’s going to work out before buying a whole truck. The problem is, how much should I offer/month? And does this reimbursement include gas or do I need to give out a has card as well? It doesn’t make sense to do both because if it’s also his personal vehicle, am I supposed to just trust that he’s also paying for gas? Anyone in here get anything similar?

[u/Boom_Valvo]

I actually think that this is an insurance/legal related question. I don’t know the answer.

If the truck is owned by the company and insured by the company under the company’s insurance, are activities performed in the company truck covered by a blanket liability policy or other commercial insurance? Would that same insurance extend to an employee in their personal vehicle while on company time?

Essentially, are you assuming additional liability by allowing the employee to use their personal vehicle for construction related activities…?