Hired and non-owned auto covers liability when the business uses vehicles it does not own, such as employees' personal cars used for work or rented vehicles.
How it shows up
It fills a gap that personal auto and standard commercial auto may leave when an employee drives their own car on business or the company rents a vehicle.
Businesses usually pick this up as an endorsement rather than a standalone policy. For how it is underwritten, priced and triggered, see hired and non-owned auto insurance. For how it compares with putting vehicles on an owned-auto schedule, see owned auto vs hired and non-owned.
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