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Non-Owned Auto Liability Insurance

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Hiscox’s hired/non-owned auto liability coverage is an optional upgrade that protects your business if it is liable for damages caused while an employee is using a personal or rented vehicle (not owned by your business) for business purposes.


        What is covered?


What is not covered?

  • Liability claims
  Protection for your company, not your employees
  • Defense costs
  Physical damage
  • Actions of your full-time and temporary staff
  Transportation of property


Hired/non-owned vehicle liability insurance does cover:


Liability claims

A Hiscox hired or non-owned auto liability insurance policy covers claims against your business if an employee has an accident while using their own (or rented) vehicle for business purposes. This optional upgrade adds coverage as part of your general liability limits to your business owners policy.


Defense costs

 If you’re sued, we’ll make it easier for you by appointing an attorney to defend you, if necessary. We will defend a lawsuit even if the claims are groundless and we’ll pay these defense costs without reducing your limits of liability.


Actions of your full-time employees and temporary staff

This coverage applies not only to your business to the extent it is liable for the actions an employee (full-time or temporary staff) when driving a non-owned or rented vehicle for business purposes.


Hired/non-owned vehicle liability insurance does not cover:


Protection for your company, not your employees

It’s important to remember that this coverage protects your business and not your employee driving the vehicle.


Physical damage

Non-owned auto liability insurance provides no protection for physical damage to the rented or non-owned vehicles being used.


Transportation of property

We offer no protection under this coverage for damage to property being transported or property within your care.


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Sharon, Auburn, CA
“Excellent customer service, extremely reasonable price point, know”
The process was painless due to the representative I spoke with. He was extremely knowledgeable, and was able to guide me through the process in a professionally manner. The rep knew exactly what I needed and the price point was ... very attractive. I will be recommending Hiscox to all of my colleagues whom might need this type of insurance coverage.

Kimberly, Brownsville, TX
“Excellent service”

Jill, Ringgold, GA
Fast, easy, convenient, and excellent service. I would highly recommend!

Junior, Florida
“Good Service”
Good Experience. I like the rep I spoke who assisted me with the transaction.

Andrew, California
“Smooth quote experience”
It was surprisingly smooth, and I was pleased with how quickly I was able to get a quote and purchase the policy.

Shauna, Fort Lauderdale, FL  
Fast and professional service



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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

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