Does Your Policy Cover Hired and Non-Owned Vehicles?

When running a business in Connecticut, it’s common to rely on vehicles you don’t own, whether that means renting a car for a client meeting or having employees use their personal vehicles for deliveries. It’s crucial to determine whether those vehicles are covered by your commercial auto insurance policy.

What Are Hired and Non-Owned Vehicles?

Standard commercial auto insurance policies often focus on vehicles owned by your business. However, if you or your employees use other vehicles for work, you may face coverage gaps unless your policy specifically includes hired and non-owned auto coverage.

Hired and non-owned vehicles can be defined as:

• Hired vehicles are those your business rents, leases, or borrows for short-term use.
• Non-owned vehicles are typically employee-owned cars used for business purposes, such as running errands or visiting clients.

Why Is This Coverage Important?

Without the proper protection, your business could be held liable for accidents involving rented or employee-owned vehicles. Hired and non-owned auto insurance may help cover:

• Third-party bodily injury or property damage caused by an accident while using a rented or non-owned vehicle for business
• Legal expenses if your business is sued after an incident involving these vehicles

Who Needs Hired and Non-Owned Auto Coverage?

Connecticut businesses of all sizes may benefit from this coverage, especially if you:

• Rent vehicles for business trips or projects
• Ask employees to use their own cars for deliveries, sales calls, or errands
• Don’t own company vehicles but still have transportation needs

How Our Team Can Help

At Koziura Szafranski Insurance Agency, we help Connecticut business owners review their commercial auto policies to identify potential gaps. Our team can explain your options for hired and non-owned vehicle coverage and recommend solutions tailored to your operations.

Contact us today for more information or a personalized quote.

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.