Non-Owned Auto Liability Insurance
Hiscox’s hired/non-owned auto liability coverage is an optional upgrade that protects your business if it is liable for damages caused while an employee is using a personal or rented vehicle (not owned by your business) for business purposes.
What is covered? | What is not covered? | |
|  Protection for your company, not your employees | |
| Physical damage | |
| Transportation of property |
Hired/non-owned vehicle liability insurance does cover:
Liability claims
A Hiscox hired or non-owned auto liability insurance policy covers claims against your business if an employee has an accident while using their own (or rented) vehicle for business purposes. This optional upgrade adds coverage as part of your general liability limits to your business owners policy.
Defense costs
If you’re sued, we’ll make it easier for you by appointing an attorney to defend you, if necessary. We will defend a lawsuit even if the claims are groundless and we’ll pay these defense costs without reducing your limits of liability.
Actions of your full-time employees and temporary staff
This coverage applies not only to your business to the extent it is liable for the actions an employee (full-time or temporary staff) when driving a non-owned or rented vehicle for business purposes.
Hired/non-owned vehicle liability insurance does not cover:
Protection for your company, not your employees
It’s important to remember that this coverage protects your business and not your employee driving the vehicle.
Physical damage
Non-owned auto liability insurance provides no protection for physical damage to the rented or non-owned vehicles being used.
Transportation of property
We offer no protection under this coverage for damage to property being transported or property within your care.
Business owners policy claims examples:
The quick errand
You ask one of your employees to use his or her car to go on a quick errand to purchase supplies for your office. While on the errand, the employee has an accident. If your business is found liable for the damages, the hired/non-owned auto coverage will protect your business up to the applicable limits.
Your employees visiting clients
Many small business employees will use their own vehicles to make client visits. If that employee gets into an accident, hired/non-owned commercial auto liability insurance will provide protection for the business against liability claims, as outlined above, to the extent it is liable.
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.
About Hiscox small business insurance
- Small business specialists - focus on insuring professional businesses with less than 10 employees.
- Customized coverage - we help customize coverage to your specific needs. No more, no less.
- Great value - buy direct from Hiscox and enjoy excellent service and real value for money.
- Money back guarantee - be confident in your purchase with our 14 day guarantee.
- Financial strength - Hiscox Insurance Company Inc. is 'A' rated (Excellent) by A.M. Best.