Hired & Non-Owned Auto Insurance
Protection when employees drive for business—even in their own cars.
If employees ever drive for business purposes—whether in their personal vehicles, rental cars, or borrowed vehicles—your business faces liability exposure. Hired and non-owned auto insurance provides crucial protection when employees cause accidents while driving for work, covering your business above personal policy limits.
Get a Hired & Non-Owned Auto Quote
Affordable coverage often added to general liability policies
What Hired & Non-Owned Auto Covers
Non-Owned Auto Liability
Covers liability when employees use their personal vehicles for business purposes—running errands, visiting clients, making deliveries, or attending meetings.
Hired Auto Liability
Covers liability when using rented or leased vehicles for business—rental cars for business trips, temporary vehicle rentals, or short-term leases.
Excess Liability Protection
Provides coverage above the employee's personal auto policy limits or the rental company's coverage, protecting your business from large claims.
Defense Costs
Covers legal defense expenses when your business is sued following an accident involving an employee driving for work.
What's NOT Covered
This is liability coverage—it doesn't cover everything:
Who Needs This Coverage?
Most businesses need this coverage. If any employee ever drives for business purposes—even occasionally—your business is exposed.
Nonprofits & Churches
Volunteers drive personal vehicles for organizational business
Professional Services
Employees travel to client meetings and sites
Sales Organizations
Sales reps use personal vehicles for client visits
Real Estate Agencies
Agents drive clients in personal vehicles
Home Services
Technicians and service providers travel between jobs
Any Business Without Fleet
If employees ever drive for work, you need this coverage
Real Claims Examples
See how hired & non-owned auto responds in common scenarios:
Employee Errand Accident
Scenario: An employee driving to pick up supplies for the office causes an accident injuring two people. The injured parties sue both the employee and your business.
Coverage: Hired & non-owned auto provides excess liability coverage above the employee's personal auto limits, protecting your business from a six-figure claim.
Rental Car Collision
Scenario: An employee on a business trip causes an accident in a rental car, injuring another driver who files a $200,000 lawsuit.
Coverage: Hired auto coverage responds above the rental company's liability coverage, defending your business and paying damages.
Volunteer Driver Accident
Scenario: A church volunteer transporting youth group members in their personal van is involved in an accident. Three kids are injured.
Coverage: Non-owned auto coverage provides the church with liability protection above the volunteer's personal policy limits.
Sales Rep Client Visit
Scenario: A sales representative runs a red light while rushing to a client meeting, causing a serious collision.
Coverage: Coverage protects your business from vicarious liability claims since the employee was acting within the scope of employment.
What Affects Your Premium?
Hired & non-owned auto is typically very affordable:
Number of Employees
More employees mean more potential drivers and higher premium
Business Travel Frequency
Businesses with frequent travel face higher exposure
Employee Driving Records
Requiring clean driving records can reduce risk
Coverage Limits
Higher limits cost more but provide better protection
Industry Type
Some industries have higher vehicle use and higher premiums
Vehicle Use Policies
Written policies and training demonstrate lower risk
Very Affordable: This coverage typically costs just a few hundred dollars annually and is often bundled with general liability or a BOP. Given the potential for six-figure auto accident claims, it's essential protection for any business.
Protect Your Business on the Road
If employees ever drive for business, you need hired and non-owned auto coverage. Let's make sure you're protected.
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We also serve other areas in West Virginia
Jon Parrack Insurance
Serving Point Pleasant, Mason County (WV) & Southeast Ohio
Point Pleasant, WV