06/17/2026
What does hired and non-owned auto insurance cover for staffing agencies? Many staffing firms assume that automobile liability applies only when the company owns a fleet. In practice, employees drive personal vehicles, rented cars, and client-owned vehicles throughout the year, and any one of them can pull the firm into a lawsuit long after the placement ends.
Hired and non-owned auto insurance covers two separate exposures: vehicles the firm rents, leases, or borrows, as well as vehicles it never owns but its people drive on company business.