Do You Need Hired and Non-owned Auto Coverage?

If your organization rents vehicles for business purposes or allows employees to drive their own cars for work, your business could be exposed to significant liability. At Beezo Insurance , we help California businesses understand and manage these risks with hired and non-owned auto coverage.

What Is Hired and Non-owned Auto Insurance?

Hired and non-owned auto insurance is a type of liability coverage designed for businesses that use vehicles they don’t own. This may include vehicles your business rents, leases, or borrows, as well as vehicles owned by your employees that are used for business activities. This coverage typically helps protect your business if you’re held liable for accidents that occur while these vehicles are being used for work purposes.

Why Might Your Business Need This Coverage?

Even if your company doesn’t own any vehicles, you may still face auto-related risks. Common scenarios include:

• Employees running errands or making deliveries in their own cars
• Renting vehicles for business trips or client meetings
• Using personal vehicles to transport goods or equipment

If an accident occurs during these activities, your business could be held responsible for damages or injuries. Personal auto policies often exclude business use, leaving your company exposed. Hired and non-owned auto coverage can help fill this gap and protect your business from costly claims.

How Our Team Can Help

At Beezo Insurance , we work closely with business owners to assess their unique risks and recommend appropriate commercial auto insurance options. Our team can help you:

• Determine if hired and non-owned auto insurance is right for your operations
• Understand policy details and exclusions
• Integrate this coverage with your broader business insurance program

Contact us today to speak with our team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.