Non-Owned Auto Liability Insurance

This type of coverage, also known as “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 against your company
Your employees
  • Defense costs<
Physical damage to rented or non-owned vehicles
  • Actions of your full-time and temporary staff causing damages to others
Property being transported


The coverage does include:

Liability claims
A Hiscox 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 up to the applicable limits.

Defense costs
Being sued is not fun. But if you’re sued, we’ll make it easier for you by appointing an attorney to defend you, if necessary. We will defend lawsuits even if the claims are groundless and we’ll pay these defense costs without reducing your limits of liability.

Actions of your full-time and temporary staff
This coverage applies to the actions of your employees (full-time or temporary staff) when driving a non-owned or rented vehicle for business purposes, to the extent your company is liable for those actions.

The coverage does not include:

We want you to understand our non-owned or rented auto liability insurance. That’s why we’re completely open about what we do and don’t cover. The following are key items that we don’t cover.

Protection for your company, not your employees
It’s important to remember that this coverage protects your business and not your employees driving the vehicles.

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

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

General Liability Policy Claims Examples:

The quick errand - You ask one of your employees to use their car to go on a quick errand and purchase office supplies for your office. While on the errand, the employee has an accident. If your business is found liable for the damages, non-owned auto coverage will protect your business up to the applicable limits.

Your employees visiting clients - Many small business employees will use their own vehicles to make client visits. If they get into an accident, non-owned commercial auto liability insurance will provide protection for the business against liability claims as outlined above, to the extent it is liable.

An employee may have to travel on business and rent cars - If you send a freelance photographer away on a photo shoot, for example, and they run into something on the way to the shoot, your company could be liable.


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.