Hired and Non-Owned Auto Insurance
Hired and non-owned auto insurance for businesses whose employees drive vehicles the company doesn't own, placed by a licensed independent agency with 20+ years of experience.
TL;DR
Hired and non-owned auto insurance protects the business from third-party liability when vehicles it doesn't own are used for work. An employee runs to the supply house in her own car. A manager rents a van for a week when a truck is in the shop. A borrowed pickup hauls material to a site. In each case the business carries an exposure that a policy listing only company-owned vehicles does not address. This coverage is easy to overlook, and it is one of the most common gaps we find when we review a fleet.
What It Protects
Hired and non-owned auto protects the business from liability arising from the use of vehicles the company doesn't own. It is not coverage for the vehicle itself, and it is not the driver's personal auto policy. It sits alongside commercial auto liability for the vehicles you do own. See commercial auto liability
- Hired auto: vehicles the business rents, leases short-term, or borrows for work
- Non-owned auto: vehicles owned by employees or others and used for company business
Who We Commonly Recommend It For
Any fleet where employees may drive vehicles outside the company's owned fleet. We commonly recommend looking at it for:
- Contractors whose crews drive their own trucks to job sites
- Security companies whose officers use personal cars between posts
- Delivery fleets that add rented vans at peak season
- Service businesses whose technicians run errands in personal vehicles
How It Fits a Fleet Program
Fleet insurance is commercial auto coverage structured around a business with multiple vehicles, drivers, and operating exposures. Hired and non-owned auto is the piece that reaches the vehicles you don't list because you don't own them. When we review a fleet, we ask who drives what, including the vehicles that never show up on the schedule.
FAQs
Do we need it if our employees have their own insurance?
Their personal policy protects them. Hired and non-owned auto protects the business from liability arising from their use of that vehicle for work. They are different questions.
Can it be added to our existing fleet policy?
Often, depending on the carrier and the policy. Tell us what you have and we review it.
Related: Commercial fleet insurance · Security company fleet insurance
Employees driving their own vehicles for work?
Ask us on the first call. No obligation until you decide to bind.
Licensed in California, Nevada, Texas, Arizona, and Florida, with additional state licenses in progress. Nevada License #17116002. If your fleet is garaged in another state, ask us; we can often place coverage or point you to the right market.