Why it may matter
Useful when a business does not own vehicles but still sends people to errands, client sites, or events.
Coverage type
Hired and Non-Owned Auto
Helps address liability when employees use personal, rented, or borrowed vehicles for business.
What to prepare before quotes
- Driving frequency
- Employee driver count
- Vehicle ownership details
- Delivery or errand use
Important limitation
Policy terms, exclusions, limits, endorsements, and state requirements vary. Confirm details with a licensed insurance professional before buying or changing coverage.