Business Insurance
Hired & Non-Owned Auto
Liability when staff drive vehicles the business does not own.
This fills a gap that catches a lot of businesses out. If an employee runs a work errand in their own car, or you rent a van for a job, your commercial auto policy may not respond because the vehicle is not scheduled on it.
Hired and non-owned auto covers the liability your business picks up in those situations. It does not repair the employee's own car.
Who usually needs it
Any business where staff run errands, make deliveries or visit clients in their own cars, or that rents vehicles occasionally.
Not sure whether you need this?
Tell us what your business does and we will tell you straight which coverages actually apply — and which you can skip.
Or call (503) 667-2820