Hired & non-owned auto INSURANCE

Coverage for potential damages while using a vehicle for business purposes.

 
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2 MIN

Hired & Non-Owned Auto Insurance with Nicole

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What Hired & Non-Owned Auto does & doesn't cover
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Recommendations based on stage and vertical
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Which add-ons make sense for your startup
BECAUSE

A single non-fatal injury crash has an average cost of $75,176.

WHEN
  • As early as when hiring your first employee.
WHY
  • Driving is one of the riskiest things we do.
  • Personal auto insurance policies typically won’t cover your employees for commercial driving.
  • Lawsuits can cost thousands of dollars.
See recommended limits based on your stage and vertical
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THE PROTECTION

What Hired & Non-Owned Auto Covers

Bodily injury and property damage
Caused by you or your employees while using a personal or rented vehicle for business purposes.
What it doesn’t cover
  • Accidents involving a company-owned vehicle: typically covered by Commercial Auto insurance. 
  • Physical damage for either a personal or rented car or damage to property that’s being transported in the vehicle. 
  • Accidents that happen on an employee’s own time, such as running a personal errand or during their commute. 
  • Any ride-share or delivery type use.
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FROM THE ACTUARIES

Hired & Non-Owned Auto Claims Examples

Case Study
Incident
 An employee of a consumer marketplace startup rents a car to travel to an industry trade show. On the way to the trade show, the employee rear ends the car ahead of him at a red light. The driver of the car that was hit sends a demand letter to the startup, seeking damages for the property damage to his car and his medical bills.
Resolution
The HNOA section of the general liability policy provides coverage for the property damage and the medical bills.
Costs related to fender-bender at a trade show
Incident
 An employee of a consumer marketplace startup rents a car to travel to an industry trade show. On the way to the trade show, the employee rear ends the car ahead of him at a red light. The driver of the car that was hit sends a demand letter to the startup, seeking damages for the property damage to his car and his medical bills.
Resolution
The HNOA section of the general liability policy provides coverage for the property damage and the medical bills.
INSURANCE 101

What Is Startup Business Insurance and Why Do I Need It?

In the fast-paced world of startups, having insurance in place can mean the difference between making the deal or getting passed over for a more prepared competitor.
Keep reading
What Is Startup Business Insurance and Why Do I Need It?

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