Non-Owned Auto Liability Insurance

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 vehicle (not owned by your business) for business purposes. Read on to find out what non-owned auto liability insurance does and doesn’t cover.

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 in your business owners policy.

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 it reducing your limits of liability.

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

Hiscox business owners policy – hired/non-owned vehicle liability insurance does not cover:

We want you to understand our hired or non-owned 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 rented or 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.

Business Owners 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, the hired/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, hired/non-owned commercial auto liability insurance will provide protection for the business against liability claims as outlined above, to the extent it is 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.