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. What it typically excludes is carrying people or property for a fee, so livery and delivery work are the real gaps rather than business use generally. Hired and non-owned auto protects the business against a claim arising from a vehicle it does not own. It adds nothing for the employee, and it does not repair their car.
Related FAQs
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 ...
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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