Non-Owned Car Liability Insurance

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Hiscox rated 4.8/5
Rated 4.8/5

Why do I need non-owned auto liability insurance?

Non-Owned Auto Liability Insurance, or hired non-own auto coverage, protects you if you have employees who sometimes drive their own car, or even one they have rented, for business.  

Here’s an example. A realtor asks their administrative assistant to put up advertising signs for an open house. While doing so, the assistant gets in an accident in which the other driver is injured. The realtor’s non-owned car insurance policy would cover the damage to the other driver’s vehicle as well as costs related to their injuries.  

When an employee is operating his or her own vehicle, or one you have rented for business purposes, and gets in an accident, your business could be liable. A non-owned auto liability insurance policy will provide coverage for third-party property damage and bodily injury as a result of an accident. If a lawsuit is filed as a result of an accident, your policy will cover defense costs without reducing your limits of liability, even if the suit is found to be without merit.  

Non-owned vehicle liability insurance details

Non-Owned Auto Liability Insurance covers your liability when the personal vehicle of an employee or temporary staff, whether owned or rented by them, is driven for business. The vehicle must be in-use for business purposes at the time of the accident.

It covers damage to another vehicle or property and medical costs associated with injury to a third party from an accident. It also covers defense costs if you or your employee are sued as a result of a covered accident. Defense costs will be covered even if the suit is found to be groundless.  

What is covered?Checkmark icon

  • Liability claims
  • Defense costs
  • Actions of your full-time and temporary staff

What is not covered?Minus icon

  • Protection for your company, not your employees
  • Physical damage
  • Transportation of property

Who is covered by non-owned auto liability

Non-owned Auto Liability Insurance covers permanent and temporary employees of your company, whether they work part-time or full-time. It covers your business to the extent that you are liable for the actions of these employees.  

Non-owned Auto Liability Insurance is an upgrade to a Business Owner’s Policy, and coverage is part of the occurrence limit associated with that policy.  

What the policy doesn’t cover 

  • Your vehicle or one owned by your business. Vehicles that are owned or regularly operated by your business should be covered by a commercial auto policy. 

  • Physical damage to the vehicle being operated by the employee. This should be covered by the employee’s personal auto insurance policy or rental agreement. 

  • Damage to property being transported or property within your care. 

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Hiscox Customer Reviews

Hiscox rated 4.8/5
Rated 4.8/5

5 Stars

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.


5 Stars

Kimberly, Brownsville, TX

“Excellent service”



5 Stars

Jill, Ringgold, GA

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


5 Stars

Junior, Florida

“Good Service”

Good Experience. I like the rep I spoke who assisted me with the transaction.


4 Stars

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.


5 Stars

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.