Hired and non-owned auto is liability coverage, so it typically responds to injury or damage you cause to others rather than to damage to the rented or employee-owned vehicle itself. Damage to a vehicle you rent is usually handled by hired auto physical damage coverage, which is added separately, or by the rental company’s own product at the counter. An employee’s own car is covered by that employee’s personal auto policy rather than yours. Forms vary, so check whether hired auto physical damage appears on your declarations page before you rent for the business.
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. ...
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 ...
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