Liability coverage when employees use personal, rented, or borrowed vehicles for work.
Hired and non-owned auto helps cover your business's liability when work driving happens in vehicles the business does not own.
- TodayClient-visit policy notedPersonal cars on business errands covered
- YesterdayRental confirmedConference travel · hired auto applies
- May 19Exposure reviewNo owned vehicles · HNOA is the fit
New to it, or switching a policy over?
We'll explain what it typically covers, what it leaves out, and what contracts or landlords commonly ask for — in plain English, no pressure.
Already have a policy? Upload it. We'll review the limits, exclusions, and wording, compare the market, and tell you straight whether it's worth a move — same coverage, no gap.
These are the moments it’s built for.
Hired & non-owned auto is a practical coverage layer for businesses with this exposure. Riza helps you understand what the policy is supposed to do, where it stops, and how it should connect to the rest of your insurance stack.
Employees use personal cars for errands, meetings, deliveries, or site visits.
Your business rents vehicles for trips or projects.
You do not own vehicles but still have driving exposure.
A contract asks for auto liability coverage.
What it helps cover.
The moments this policy typically steps in for — in plain English, before the policy language.
Liability from rented vehicles used for business.
Liability from employee-owned vehicles used for business.
Defense costs for covered business auto claims.
Contract-required auto liability wording when available.
Coverage that can sit alongside commercial auto or general liability.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording with you before recommending anything.
What sits in another policy.
No policy covers everything. Here’s where this one usually stops — and what typically picks up from there.
Each line links to the coverage that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Here’s how it actually plays out.
An employee causes an accident while driving to a client meeting.
Your team rents a van for a trade show.
A manager uses a personal car for a bank run.
A contract requires auto coverage even though the business owns no vehicles.
What actually moves the price.
No number on a landing page is a real quote. These are the inputs underwriters actually look at — and what we pin down with you so the policy fits.
- Driver use patterns.
- Rental vehicle practices.
- Employee personal vehicle use.
- Contract limit requirements.
No instant-quote gimmicks. We get the inputs right, compare the market, and show you the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English and staying on it after bind. Insurance that feels handled.
We start with the real-world exposure, not the policy name.
We review contracts, current policies, exclusions, limits, and operational details.
We compare carrier options and explain the tradeoffs in plain English.
We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.
Questions we get a lot.
Who needs hired & non-owned auto?+
Businesses need it when the exposure exists in their operations or when a contract, landlord, lender, client, or regulator requires it.
What does hired & non-owned auto usually cover?+
Coverage depends on the policy form, carrier, limits, endorsements, exclusions, and facts of the claim. Riza reviews the details before recommending a policy.
What affects the cost of hired & non-owned auto?+
Pricing usually depends on the industry, size, location, limits, claims history, contract requirements, and underwriting details specific to the coverage line.
Can Riza review my current hired & non-owned auto policy?+
Yes. Upload your current policy or declarations page and Riza can flag gaps, confusing wording, missing endorsements, and coverage that may no longer match the business.
Let’s get you covered.
Tell us a bit about your business, see your options, and we’ll take it from there.
- 01We start with the real-world exposure, not the policy name.
- 02We review contracts, current policies, exclusions, limits, and operational details.
- 03We compare carrier options and explain the tradeoffs in plain English.
- 04We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.