Liability coverage · Written by RyskLOK
Hired & Non-Owned Auto Liability
Liability when your business uses rented, borrowed or employee-owned vehicles.
For vehicles you use but don’t own
Hired and non-owned auto liability protects your business when someone drives a vehicle you do not own on company business. That includes rented trucks, short-term hires, and employees running errands in their own cars. It fills a gap that a scheduled-vehicle policy can leave open.
What it can cover
- Rented or hired vehicles used for your business
- Employees driving their own vehicles on company errands
- Liability that sits alongside your scheduled auto policy
Who it’s for
- Fleets that rent extra units during peak seasons
- Logistics and brokerage offices with staff who drive for work
- Businesses that occasionally borrow or hire vehicles
Common questions
Rental coverage varies and often has low limits. Hired auto liability gives your business its own protection when a rented vehicle is used on company business.
This page is general and educational. Coverage, limits and exclusions are set by the policy issued and are subject to eligibility, state availability and underwriting review.
Works well with
Related coverage
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