10/02/2026
A business auto exposure can arise even when your company does not own a vehicle.
When employees use personal vehicles for company errands, deliveries, or client visits—or when your team rents a vehicle for work—an accident may create risks for the business. Hired and non-owned auto coverage is designed to help address certain liability exposures connected to those situations.
It is important to note that this coverage is not a replacement for commercial auto coverage on vehicles your business owns.
Every operation is different. Our team at AutoInsurance World can help you discuss how your vehicles, drivers, and day-to-day activities may affect your insurance needs. Reach out to start the conversation.