If you do not have a commercial auto policy, your liability insurer may be willing to add hired auto and
non-owned auto liability coverages to your general liability policy.
Hired auto and
non-owned auto liability coverages are available under a commercial auto policy.
For these reasons, be sure your commercial auto policy includes
non-owned auto liability coverage.
Hired and
non-owned auto liability coverage protects your business against serious damages and losses, and the best of all, it's extremely affordable.
If your business or commercial auto insurance doesn't have hired and
non-owned auto liability coverage, you can buy this as a stand alone policy.
Hired and
non-owned auto liability coverage covers property damage and bodily injury caused by a vehicle you hire (including borrowed and rented) or non-owned auto (vehicles owned by others including partners and employees).
Not exact matches
Coverage includes and is not limited to: bodily injury
liability, collision and / or comprehensive
coverage, full glass, loan / lease gap, medical payments,
non-owned automobile, personal
auto plus, personal injury protection, pet medical
coverage, physical damage plus and / or
liability, rental car, road trouble service as well as underinsured or uninsured motorist
liability.
Hired and
non-owned auto liability insurance is a
coverage found most often on business
auto policy or the business owners policies (BOP).
General
Liability policies are likely to include Hired
Auto &
Non-Owned Auto coverage as an endorsement.
Any
Auto coverage provides
liability protection for all vehicles on a policy whether they are owned,
non-owned, or hired, including vehicles that you purchase during your policy even if you forget to tell your insurance company.
Depending on the symbols used, a commercial
auto policy may afford
liability coverage for hired
autos (rental vehicles) and
non-owned autos.
Any
Auto coverage extends
Liability insurance to hired and other
non-owned vehicles, and vehicles you purchase during your policy term.
These limits are automatically the same limits as those you selected for your
Liability insurance, which is required in order to carry
non-owned auto coverage.
-LSB-...]
non-owned auto liability insurance is a
coverage found most often on business
auto policy or the business owners policies -LSB-...]
Hired
Auto coverage provides
Liability coverage for a
non-owned, unlisted vehicle that you have leased, hired, rented or borrowed.
This
coverage extends your
Liability and Physical Damage
coverages to other
non-owned private passenger - type
autos that you, or a resident relative, might drive.
If symbol 1 (any
auto) or symbols 8 and 9 (hired and
non-owned autos, respectively) appear next to
liability coverage, hired and
non-owned autos are covered.
The best solution is to add a hired and
non-owned automobile
liability coverage to your general
auto insurance policy or opt for a commercial
auto insurance that has this option included in it.
These can include liquor
liability insurance, equipment failure insurance and
non-owned auto liability insurance
coverage, to name a few.
Non-owned vehicles may be insured for
auto liability coverage under your commercial
auto policy.
You can determine whether your policy covers
non-owned autos by looking at the covered designation
auto symbol that appears in the declarations next to
liability coverage.