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Hired & Non-Owned Auto Insurance

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What is Hired & Non-Owned Auto Insurance?

Hired & Non Owned Auto Insurance policies cover vehicles used by a business.

Hired & Non Owned Auto Coverage insures a vehicle that has been hired by a company to be used for purposes related to business and the passengers inside.

  • A hired vehicle is one which you rent for an employee who has to travel to another city to attend a meeting.

  • A non-owned vehicle is one that belongs to an employee or somebody else, and is used by another employee - the one was driving at the time of the claimed incident.

Hired & Non Owned Auto Insurance protects you and your employees against the many risks associated with operating a vehicle for business purposes - namely vehicle damage and bodily injury.

What Hired and Non-Owned Auto Insurance Is All About:

What Does Hired and Non-Owned Auto Insurance Cover?

Frequently Asked Questions

Why do I need Hired & Non-Owned Auto Insurance for my small business?

As a business owner, you want to ensure that whenever you or your employees operate a vehicle that you are protected against potential accidents or other incidents.


An accident can bring with it multiple financial setbacks. You may need to pay for repairs for the vehicle or have to purchase a new one altogether.


If your vehicle is responsible for hitting another, you may also be liable for damages to that vehicle. Passengers involved in an accident can also sustain injuries which in many instances can be severe or even fatal. The passenger may be you, your employee or those in another vehicle involved in a crash.


Regardless of who is affected, you will want to ensure that you are protected against unwanted outcomes. Hired & Non Owned Auto Insurance protects you, your employees, your vehicles and your community at large.

Who Is Covered by Hired & Non-Owned Auto Insurance?

Your Business - If you have employees using their own vehicles for work purposes you could be drawn into a lawsuit if they are at fault in an accident, so Hired and Non-owned Auto will provide coverage for your business. This also provides your liability for a rented vehicle when traveling or otherwise.

What hired physical damage does this policy cover?

If you rent or borrow a car, Hired Physical Damage coverage can pay to fix the vehicle if you are at fault in an accident. Often, businesses rent vehicles for travel or many other reasons, so it is a critical coverage to have.

What is the main distinction between a Hired Auto and a Non-Owned Auto?

Hired is for vehicles that you rent or borrow and non-owned autos usually refer to your employees. This would be if your employees are using their vehicles for work purposes, such as going from job site to job site or taking a deposit to the bank on your behalf.

When will Non-Owned Auto Insurance will come in handy?

Non Owned Auto Insurance will come in handy if:


  • Your company hires vehicles and requires coverage.

  • Your company has non-owned vehicles that are used by employees that require coverage.

  • You want to ensure that both hired and non-owned operated vehicles are protected against damages.

  • You want to ensure that both hired and non-owned operated vehicles are protected against bodily injury.

  • You want to ensure that if hired and non-owned operated vehicles are involved in an incident with another vehicle, the other vehicle is protected against damages.

  • You want to ensure that if hired and non-owned operated vehicles are involved in an incident another vehicle, that any bodily injury of the passengers in the other vehicle is covered.

  • You want coverage that extends beyond basic insurance policies.

  • You want protection for yourself and your employees that extends beyond against the many forms of liability not included in basic coverage.

What Are the “Limits” on a Hired and Non-Owned Auto Insurance Policy?

A Hired and Non Owned Auto Insurance policy offers specific types of protections which include cover damage to property and bodily injury to passengers.


This coverage is limited when the intention of operating a vehicle is not for business but rather personal. If a hired or non-owned vehicle is operated for personal reasons, the vehicle and its passengers are then liable. Your policy should be $1 Million, as requested by most contracts.

How Much Does Hired and Non-Owned Auto Insurance Cost?

When obtaining an insurance policy that covers both hired and non-owned auto vehicles, various factors will determine the overall costs. The age of a driver, as well as their driving record, will usually factor into the cost of insurance.


However, when investing in insurance for several employees, you will want to ensure that coverage is based on the demographics of those you anticipate operating a vehicle.


Whether or not you and your employees will be driving locally, internationally or both will also be a determinant of the cost of coverage.


The amount of vehicles your company owns or rents and the extent to which these vehicles are operated will also matter. Given the diversity of these factors, the cost will vary greatly by the specific circumstances that a company finds themselves in.

Are You Ready to Get Covered?

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