Your employee’s personal policy will not cover a work trip. Yours is the one that gets sued.
Hired and non-owned auto covers vehicles the business does not own but its people drive on the job — rentals, and employees running errands in their own cars.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What hired and non-owned auto businesses actually need.
Non-owned autos
Liability arising when an employee drives their own car for business.
Without it — Their personal insurer declines the business trip and the business is named in the suit regardless.
Hired autos
Vehicles rented or borrowed in the business’s name.
Without it — A rental counter waiver is not liability cover, and the gap shows after an at-fault accident.
Where hired and non-owned auto shows up.
- Restaurant
Delivery drivers in their own cars leave the restaurant named in the suit with nothing responding — the exposure that makes delivery hard to place at all.
- Assisted Living & Residential Care
Staff driving residents to appointments in their own cars leaves the facility named and nothing responding.
- Box Truck & Straight Truck
Rented or borrowed trucks used to cover a peak are not on your schedule.
- Last Mile & Delivery Contractors
Rented vans and any personal vehicle used for the work are outside the owned schedule.
- Public Auto & Passenger Transport
Owner-drivers and vehicles brought in to cover peaks sit outside the owned schedule.
- Taxi & Rideshare Fleets
Vehicles brought in by drivers, or leased out to them, sit outside the owned schedule without it.
- Allied Health & Therapy Practices
Staff driving their own cars between homes, schools and clinics are uninsured for the business use the moment their personal insurer learns of it.
- Regional Center Vendors
Staff using personal cars to transport or visit consumers are unprotected without it.
- Speech Therapy Practices
Therapists driving their own cars between campuses and homes are on business use their personal insurer did not agree to.
- Occupational Therapy Practices
Home-visiting therapists drive their own cars to clients all day.
- Play & Behavioural Therapy
In-home behavioural staff drive their own cars to clients continuously.
- Concierge & Private Duty Nursing
Nurses drive their own cars between clients, hotels and surgical centres.
What hired and non-owned auto operators ask us.
We have no company vehicles. Do we still need this?
If anyone ever drives for work — a bank run, a supply collection, a delivery, a client visit — then yes. Owning no vehicles is precisely the situation this line is written for. It is inexpensive because it sits excess of the driver’s own policy, and it is the coverage most often missing from a business that believes it has no auto exposure.
Does it cover delivery drivers?
It covers the business’s liability when they cause an accident, which is the exposure that gets the restaurant named. It does not repair the driver’s own car and it is not a substitute for them carrying their own insurance. Food delivery in particular is underwritten carefully and is a common reason a restaurant is declined, so declare it up front.