Hired & Non-Owned Auto

Business Insurance for Hired & Non-Owned Auto

Hired and non-owned auto insurance covers your business for liability arising from vehicles you don't own. Hired coverage applies to vehicles you rent or lease, while non-owned coverage applies to employee-owned vehicles used for business purposes. This fills critical gaps that personal auto policies don't cover.

Why Your Business Needs This

• Your business is liable when employees drive personal vehicles for work
• Personal auto policies often exclude business-related accidents
• Rental car coverage from rental companies provides minimal protection
• Even businesses without owned vehicles face auto liability exposure

What It Covers

Hired auto coverage provides liability protection when you rent or lease vehicles for business use, including short-term rentals and long-term leases. Non-owned auto coverage protects your business from liability when employees use their personal vehicles for business errands, client meetings, or other work-related driving. Coverage includes bodily injury and property damage to third parties, plus defense costs. This coverage is excess over the rental company's insurance or employee's personal auto policy.

Who Needs This Coverage?

Any business whose employees drive for work needs hired and non-owned auto coverage, even if you don't own company vehicles. This includes consultants, sales professionals, service technicians, and office employees who occasionally drive for business purposes. If employees make bank deposits, attend off-site meetings, or run business errands, you need this protection.

How Is This Different From Commercial Auto Insurance?

Commercial auto insurance covers vehicles owned, leased long-term, or titled to your business. Hired and non-owned coverage applies to vehicles you don't own but are used for business. Most businesses need both coverages to ensure complete protection across all vehicle exposures.