Non-Owned / Hired Auto Liability Coverage
Non-Owned / Hired Auto Liability Insurance protects organizations against liability exposures arising from vehicles that are rented, leased, borrowed, or personally owned by employees but used for business purposes.
Coverage is designed to support financial stability when accidents involving non-owned or hired vehicles result in third-party bodily injury, property damage, or legal liability claims connected to business operations.
Coverage typically responds to claims involving employee-owned vehicles used for work-related activities, rented or leased vehicles, temporary transportation arrangements, or other non-company-owned vehicles operated on behalf of the organization.
Coverage may also include protection for legal defense costs, settlements, hired vehicle liability exposures, employee driving activities, and operational risks associated with business travel and transportation activities.
For multinational organizations, coverage may be coordinated through a Controlled Master Program (CMP), such as the WMB Global Risks Global Master Program, with locally admitted policies where required to support coordinated liability protection, regulatory compliance, and consistent coverage standards across jurisdictions.
Non-Owned / Hired Auto Liability Insurance is designed to help organizations manage transportation-related liability exposures, protect financial stability, and support continuity across business operations involving non-owned or rented vehicles.