What legal obligations does my construction employer have if an employee gets into an accident while driving a rental car on the job?

Commercial auto policies on construction employer cars often extend to rentals; but some don't, and, of course, not everyone has a construction employer car to cover. In that case you can buy "hired and non-owned auto" liability coverage, which protects your construction employer if an employee has an accident while driving a rental or his own vehicle on a business trip, or even when meeting a client for lunch. A $1 million policy costs about $100 to $200 a year.