Do You Need Hired & Non-Owned Auto Insurance? The answer may surprise you!
Hired & non-owned auto insurance is a highly misunderstood coverage and often gets put at the bottom of the insurance coverage priority list. Hired and non-owned auto insurance provides coverage for bodily injury and property
damage losses caused by vehicles you don't own, vehicles you lease, hire, rent, and/or borrow, but are used for business operations.Typically, these vehicles are personally owned by employees and volunteers—in other words, non-owned auto.
Organizations that don’t own company vehicles, may automatically assume they don’t need auto insurance. Nothing could be further from the truth! If you have employees or volunteers that drive their own vehicles on behalf of your organization, for any reason, then you can become responsible for auto claims. Situations where your organization may be responsible for damages can include (but is not limited to):
Using their own vehicle to go to meetings
Using their own vehicle to go to the bank, the post office, or other errands
Using their own vehicle to provide the services offered by your organization