Non-Owned / Hired Liability
Non-Owned / Hired Auto Liability Insurance protects businesses against liability arising from the use of vehicles they do not own but use for business purposes. This includes rented, leased, borrowed, or employee-owned vehicles used to conduct company operations.
Coverage typically responds to third-party bodily injury and property damage claims resulting from accidents involving these vehicles while being used on behalf of the business. It is especially important for organizations whose employees drive personal vehicles for work, travel between locations, make deliveries, visit clients, or regularly rent vehicles as part of operations.
Coverage may also include protection for:
Employee-owned vehicle exposures: Coverage for liability arising when employees use personal vehicles for business-related activities.
Hired and rented vehicles: Protection for short-term rental vehicles, leased vehicles, or temporarily borrowed vehicles used in company operations.
Third-party bodily injury and property damage: Coverage for claims involving injury, death, or damage to third-party property resulting from vehicle-related accidents.
Legal defense and claims costs: Protection for legal expenses, settlements, and covered damages associated with auto liability claims.
Contractual and operational liability support: Helps businesses address liability obligations tied to transportation, client service, deliveries, or employee travel activities.
Unlike Commercial Auto Insurance, which primarily covers vehicles owned by the business, Non-Owned / Hired Auto Liability Insurance is designed to address liability exposures arising from vehicles the organization uses but does not own.
This coverage helps fill a critical gap where personal auto policies or rental agreements may not provide adequate protection, helping organizations reduce financial exposure and maintain operational continuity when vehicle-related incidents occur.