Hired & Non-Owned Coverage

Hired and non-owned auto coverage fills a critical gap: it covers liability when employees use their personal vehicles or rental cars for business purposes.

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Hired & Non-Owned Coverage should be reviewed against real exposure, not assumed from the coverage label.

If an employee runs a business errand in their personal car and causes an accident, the business can face liability, and without hired/non-owned coverage, there's no commercial policy to respond.

The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.

What You Need to Know About Hired & Non-Owned Coverage

Employee Personal Vehicle Use
When employees use their own vehicles for business, delivering documents, traveling between job sites, running company errands, the business has liability exposure if an accident occurs. Hired/non-owned auto covers the business's liability in these situations.
Rental Vehicles
Vehicles rented in the company name for business travel are covered under the hired auto component. This eliminates the need to purchase rental counter liability coverage and provides higher limits than a personal auto policy would offer.
Primary vs. Excess
Hired/non-owned coverage typically sits in excess of the employee's personal auto policy. Understanding this structure helps set appropriate limits and manage claims when an employee's personal policy limits are exhausted.
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