Learn more about what Hired & Non-Owned Auto Insurance is and who needs it.

Hired and Non-owned auto insurance is a type of commercial auto insurance that extends coverage for employees of the company to use their personal vehicles for business related errands.
It also covers business owners who rent or lease vehicles for their business operations.
It can normally be added to your commercial auto insurance policy or in some scenarios to your General Liability policy.
Typically, the hired and non owned auto endorsement will not cover physical damage to the rented or borrowed vehicles.
This goes for any supplies or equipment being hauled by the vehicle during a loss as well.
So it’s a good idea to get the low cost physical damage policy that the rental companies offer.
In the event that an at fault third party is uninsured or underinsured, the underlying uninsured and underinsured commercial auto  liability will kick in.
To summarize, hired and non-owned auto insurance covers a business for liability claims and defense costs while operating vehicles that they don’t own but are used for business related purposes.
Please contact us with further questions on this or any other risk management topic. We will see you again soon!