Liability coverage for autos the insured does not own.
If your business regularly uses vehicles you don't own, you may benefit from hired and non-owned car insurance. For example, employees might run business errands in their personal vehicles or rent a car for a business trip.
Hired and non-owned auto insurance can be inexpensive for a small business. Several factors affect policy costs, including:
- Number of vehicles
- Vehicle type and value
- Number of employees
- Claims history
- Employee driving records
- Policy deductible and limits
Hired and non-owned coverage can be added to a commercial auto policy, a business owners policy or a general liability policy. Coverage can also be added for physical damage coverage.
