It depends on who owns the vehicle relative to the named insured. Hired and non-owned auto is built for vehicles the business does not own, so an employee’s personal car used for work is the classic case. Where the business owner’s own vehicle is concerned, some forms treat it as an owned auto and exclude it, which is a common surprise. Either way it is liability coverage, so physical damage to the vehicle is generally not included. This is one worth confirming against your specific form rather than assuming.
Related FAQs
They protect different people, which is the part usually missed. A personal auto policy covers the driver and their own vehicle, and it does reach most ordinary business driving. ...
Usually yes, as an endorsement rather than a separate policy. It commonly attaches to a commercial auto policy, and on smaller accounts to a general liability or business owners ...
Yes, because the exposure is created by the errand, not by how often it happens. One trip to the bank or one delivery run is business use, and an ...
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