{"id":12644,"date":"2026-01-29T08:31:37","date_gmt":"2026-01-29T14:31:37","guid":{"rendered":"https:\/\/www.ksinsgroup.com\/?p=12644"},"modified":"2026-01-29T08:32:27","modified_gmt":"2026-01-29T14:32:27","slug":"does-your-policy-cover-hired-and-non-owned-vehicles","status":"publish","type":"post","link":"https:\/\/www.ksinsgroup.com\/es\/blog\/does-your-policy-cover-hired-and-non-owned-vehicles\/","title":{"rendered":"Does Your Policy Cover Hired and Non-Owned Vehicles?"},"content":{"rendered":"<p>When running a business in\u00a0Connecticut,\u00a0it\u2019s\u00a0common to rely on vehicles you\u00a0don\u2019t\u00a0own,\u00a0whether that means renting a car for a client meeting or having employees use their personal vehicles for deliveries.\u00a0It\u2019s\u00a0crucial to\u00a0determine\u00a0whether those vehicles are covered by your commercial auto insurance policy.<\/p>\n<h2>What Are Hired and Non-Owned Vehicles?<\/h2>\n<p>Standard commercial\u00a0<a href=\"https:\/\/www.ksinsgroup.com\/coverage\/commercial-auto\/\">auto insurance policies<\/a>\u00a0often 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.<\/p>\n<p>Hired and non-owned vehicles can be\u00a0defined as:<\/p>\n<ul>\n<li><b>Hired vehicles<\/b>\u00a0are those your business rents, leases, or borrows for short-term use.<\/li>\n<li><b>Non-owned vehicles<\/b>\u00a0are typically employee-owned cars used for business purposes, such as running errands or visiting clients.<\/li>\n<\/ul>\n<h2>Why Is This Coverage Important?<\/h2>\n<p>Without the\u00a0proper\u00a0protection, your business could be held liable for accidents involving rented or employee-owned vehicles. Hired and non-owned auto insurance may help cover:<\/p>\n<ul>\n<li>Third-party bodily injury or property damage caused by an accident while using a rented or non-owned vehicle for business<\/li>\n<li>Legal expenses if your business is sued after an incident involving these vehicles<\/li>\n<\/ul>\n<h2>Who Needs Hired and Non-Owned Auto Coverage?<\/h2>\n<p>Connecticut\u00a0businesses of all sizes may\u00a0benefit\u00a0from this coverage, especially if you:<\/p>\n<ul>\n<li>Rent vehicles for business trips or projects<\/li>\n<li>Ask employees to use their own cars for deliveries, sales calls, or errands<\/li>\n<li>Don\u2019t\u00a0own company vehicles but still have transportation needs<\/li>\n<\/ul>\n<h2>How Our Team Can Help<\/h2>\n<p>At Koziura Szafranski Insurance Agency, we help\u00a0Connecticut\u00a0business owners review their commercial auto policies to\u00a0identify\u00a0potential gaps. Our team can explain your options for hired and non-owned vehicle coverage and recommend solutions tailored to your operations.<\/p>\n<p><a href=\"https:\/\/www.ksinsgroup.com\/contact-us\/\">Contact us today<\/a>\u00a0for more information or a personalized quote.<\/p>\n<p><i>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.<\/i><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When running a business in\u00a0Connecticut,\u00a0it\u2019s\u00a0common to rely on vehicles you\u00a0don\u2019t\u00a0own,\u00a0whether that means renting a car for a client meeting or having employees use their personal vehicles for deliveries.\u00a0It\u2019s\u00a0crucial to\u00a0determine\u00a0whether those vehicles are covered by your commercial auto insurance policy. What Are Hired and Non-Owned Vehicles? Standard commercial\u00a0auto insurance policies\u00a0often focus on vehicles owned by your [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":12648,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Understanding Hired and Non-Owned Auto Insurance in Connecticut","_seopress_titles_desc":"Learn about the importance of hired and non-owned auto coverage for businesses in Connecticut. 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