Hired & Non-Owned Auto insurance provides coverage for vehicles that your business uses but does not own. This includes vehicles you rent (hired) and those that your employees use for business purposes but are personally owned by them (non-owned). 

Imagine you run a fence contracting business. For a large project, you rent a truck to transport materials. On the way to the job site, the truck is involved in an accident, and there's significant damage to another vehicle. Or, consider an employee using their personal car to pick up supplies for a job, and they get into an accident. In both instances, Hired & Non-Owned Auto insurance would help cover the liability costs that arise from these accidents, protecting your business from out-of-pocket expenses.

Having Hired & Non-Owned Auto insurance is crucial because: 

• It extends your liability coverage to vehicles that are essential for your business operations but not owned by your company.
• It protects your business from unexpected financial liabilities due to accidents involving rented or employee-owned vehicles used for business purposes.
• It ensures that your business operations can continue smoothly without the risk of significant financial setbacks from vehicle-related incidents.