What is Non-Owned and Hired Liability Coverage?
This liability covers bodily injury and property damage caused by a vehicle you hire (including rented or borrowed vehicles) or caused by non-owned vehicles (vehicles owned by others, including vehicles owned by your employees). It usually does not pay for physical damage to the vehicle itself.
Why do I need this insurance?
If you are a business owner that has employees run errands or a vehicle repair shop that employees test drives the vehicles, you should have this coverage. Also, there are many other situations that present a potential for you to be held accountable for the actions of your employees while they are driving their own vehicles. Administrative employees use their own vehicles to go to the post office or bank, send an employee to pick up a visiting client or to pick up lunch, drop off mail or pick up office supplies, or even renting a vehicle while on a business trip.