High liability?

I work for a company as an employment counselor in Florida. For my job I help people with disabilities become employed. I just started about a month ago and I was just thinking about a certain aspect of my job. I drive these clients around to speak with employers and apply for jobs etc. If we were ever to get in a car accident (God forbid) and one of my clients was with me and got hurt- the client would sue my insurance company and I would be screwed. I am almost positive my company doesnt have insurance coverage for this kind of event because I gave them the name of my car insurance company info when I started and that was that. Does this sound terribly risky to anybody else? Any help? Thanks!

Ask your employer, but I believe they would have coverage. As long as any incident occurs while you are in the course and scope of your of your employment, the company's Auto Policy would likely kick in after your personal liability coverage is exhausted. Most Business Auto policies cover "all autos" or the policy includes coverage for non-owned/hired vehicles not just named like a personal policy. The layering of coverage will depend on how the policy reads. Double check, but you should be OK.

you are correct that you would be libel. the only possible solution would be to use an employer owned vehicle, most likely though not likely.

I'm not sure about this, but I think most companies have insurance that would cover their employees if they get into an accident while they are traveling for work, whether by car, plane, train, etc. I'm not sure if this would cover repair to your vehicle, but I think it covers injury to you. It seems to me that this wouldn't fall on you, but you never know. I would ask someone in HR at your company what the procedure would be if this happened. It seems infair for you to have to use your personal insurance to cover something like that. I would also call you insurance company to see what they say.
Do it now before it's too late.

Step one is to ask the employer if they have that aspect of the job covered through insurance, or if it's your responsibility. If (likely) it's on you, talk to your agent about an umbrella policy that would cover the increased liability. Don't forget to keep track of the miles you use your car for company business so you can take the tax deduction from your taxes.