Yes the company will be held liable unless the employee acted outside the course and scope of his employmend and/or he was not using the vehicle in a way permitted by his employer.
No. As an employer, you are responsible for the torts of your employees while in the course and scope of their employment.
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No, bump up your limits. If an employee seriously injures someone, it could bankrupt your company if you don't have enough insurance. For example, many companies with tractor-trailers have umbrella policies up to 20m.
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