I want to talk to you today about a coverage that is very important. It’s called hired and non-owned auto coverage. It typically gets attached to either a commercial business policy or commercial auto policy. What’s this coverage do? Well, this coverage is very important. It protects you in case somebody is using their own vehicle and has an accident, while working on behalf of you.

A great example of this or a common example of this would be, let’s say you have an employee and they go to run an errand for you. Whether it be from a job site to go pick something up at a supplier, or whether it be an office worker that goes out to pick up lunch or go to the post office or pick up office supplies, these are great examples of what hired and non-owned auto coverage can do for you. That person is out on the road. They’re using their own vehicle, not a company car, and they have an accident while they’re working on behalf of you. Most likely they’re going to get named in a lawsuit if someone’s injured or property is damaged. And most likely you’re going to get named as the business owner.

How do you protect yourself against that? There’s a coverage that you can add to your commercial policy. It’s called hired and non-owned autos, and it protects you against that. It’s not a very expensive coverage. You can add it to either a commercial auto policy, or if you don’t have commercial autos, let’s say you don’t have any vehicles out on the road for your business, you can add it right to your business owner’s policy. We highly recommend this. I meet with many business owners, and I do not see this coverage on so many policies, and it can be devastating if you don’t have this and one of these accidents occurs.

To add this, again, it’s not a very expensive option. I really encourage you to put that on your policy if you ever have anybody that might run an errand on your behalf or might be in their vehicle working on your behalf. We can explain more about hired and non-owned auto coverage. Feel free to give us a call or sent us an email from Philleo.com.