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Business coverage

Hired & Non-Owned Auto

Hired and non-owned auto coverage protects your business when employees drive their own cars, or rented vehicles, for work errands and deliveries. Their personal auto policy often won't pay for a crash that happens on company business, leaving your company exposed to the claim — a gap that surprises many owners only after an accident.

Review Auto Exposure Schedule Consultation

Who this coverage is for

Hired and non-owned auto coverage is for businesses whose employees drive vehicles the company does not own, such as their personal cars or rented vehicles, while doing company work. It is a smart safeguard for any business that has staff running errands, making deliveries, or traveling for the job.

What it can help protect

This coverage fills a gap that standard commercial auto policies leave open:

  • Hired autos — helps cover liability when your business rents or leases vehicles for work.
  • Non-owned autos — helps cover liability when employees use their own cars for company tasks.
  • Third-party claims — helps pay for injuries or property damage those vehicles cause to others.
  • Legal defense — helps cover attorney costs if your business is sued after an accident.
  • Gap protection — steps in where personal policies and commercial auto coverage may fall short.
Regularly misunderstood coverages
Commercial Auto vs. Hired & Non-Owned Auto

When your people drive cars the business doesn't own.

Key choices and underwriting factors

A licensed review will usually focus on frequency of employee vehicle use, rental exposure and travel patterns, and contract and certificate requirements.

Common Questions