Nonprofits Insurance Alliance

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    • NONPROFITS OWN®
      • General Liability
      • Directors and Officers Liability
      • Flat Rate D&O
      • Non-Owned/Hired Auto Liability
      • Umbrella Liability
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      • Improper Sexual Conduct and Physical Abuse Liability
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    • Companion Programs
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Home / Coverages / NONPROFITS OWN® / Non-Owned/Hired Auto Liability

Non-Owned/Hired Auto Liability

If your employees or volunteers use their own vehicles on company business, this coverage is highly recommended. The purpose of this policy is to provide liability coverage in excess of an individual employee’s or volunteer’s auto insurance. The coverage will be engaged if the organization is held liable for the employee’s or volunteer’s actions involving his or her vehicle and the limits of the individual’s personal auto insurance policy have been exhausted.

Enhanced Coverage of Non-Owned/Hired Auto Liability

Summaries of key features only. Actual policy language will differ.

  • Covers autos the nonprofit doesn’t own, lease, rent, borrow, or hire used in connection with the nonprofit’s business
  • $1,000,000 limits
  • Coverage designed to extend to the nonprofit organization and its drivers
  • Includes autos owned by the nonprofit’s employees and volunteers
  • Excess over the employee’s or volunteer’s personal auto policy

Read more…

From the CLAIM’S FILES

Employee Driving His/Her Own Car
Insured’s employee driving his own vehicle on agency business was involved in an at-fault, catastrophic collision. Unbeknownst to the nonprofit, the employee’s personal auto coverage had lapsed. The nonprofit’s non-owned coverage dropped down to become primary, as did the Umbrella policy in excess of the Non-Owned Liability Coverage. The full $2,000,000 in available limits were paid in a settlement which involved a structured annuity to take care of the injured claimant over his lifetime. No legal expenses were incurred.

Employee Driving His/Her Own Car
An employee of the nonprofit was using her own vehicle on agency business when she was involved in an at-fault accident. The employee carried personal auto liability coverage, but her insurer denied coverage because the employee was using her vehicle for business purposes. The nonprofits policy then became primary, providing first dollar liability coverage for the at-fault accident.

Hired Auto: Vehicle Used for Company Purposes
An employee of a nonprofit rented a vehicle for three days for business purposes of the foundation. When returning the vehicle to the rental company, damage was noticed on the vehicle. The nonprofit had purchased Hired Auto Physical Damage Coverage, so subject to the HAPD collision deductible, the claim was handled and paid by the nonprofit’s auto policy and the employee did not need to involve her personal auto insurer.

Learn More

  • Flip through our 2019 Annual Report
  • Our Enduring Commitment to the Nonprofit Sector
  • Top 10 Reasons 501(c)(3) Nonprofits Rely on NIA
  • Help Us Win our Fight for Nonprofits in Congress with the Nonprofit Property Protection Act
View Our FAQ

Thanks for providing an alternative insurance source and for taking the time to understand your nonprofit clients.

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  • List of Coverages
  • NONPROFITS OWN®
    • General Liability
    • Directors and Officers Liability
    • Flat Rate D&O
    • Improper Sexual Conduct and Physical Abuse Liability
    • Social Service Professional Liability
    • Employee Benefits Liability
    • Business Auto Liability
    • Non-Owned/Hired Auto Liability
      • Non-Owned/Hired Auto Details
    • Umbrella Liability
    • Auto Physical Damage (NIAC)
    • Businessowners Property (NIAC)
    • Employee/Volunteer Dishonesty (NIAC)
  • Companion Programs

Learn More

  • See States Covered
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  • About
    • Nonprofits Insurance Alliance®
    • Mission & History
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    • Senior Leadership
    • In the News
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    • States Covered
    • Our Members
    • What Our Members Are Saying
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  • Coverages
    • List of Coverages
    • NONPROFITS OWN®
      • General Liability
      • Directors and Officers Liability
      • Flat Rate D&O
      • Non-Owned/Hired Auto Liability
      • Umbrella Liability
      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
      • Social Service Professional Liability
      • Employee Benefits Liability
      • Business Auto Liability
    • Companion Programs
      • Auto Physical Damage (ANI)
      • Businessowners Property (ANI)
      • Employee Dishonesty (ANI)
      • Participant/Volunteer Accident
  • Insurance Brokers
    • Learn More about Working with Us
    • Request a Direct Appointment
    • States Covered
    • New Business Applications
    • Broker FAQ
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    • Addresses, Phone & Map
    • Business Continuity Plan
    • Disclaimers
  • Benefits of Membership
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AM Best A VIII (Excellent) Rating

The insurance policy, not this website, forms the contract between the insured and the insurer. The policy may contain limits, exclusions, and limitations that are not disclosed in this website. Coverages may differ by state. NIAC, ANI, and NANI are AM Best A VIII (Excellent) insurers with 501(c)(3) nonprofit status. Nonprofits Insurance Alliance® is a brand of Alliance Member Services® (AMS).
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Nonprofits Insurance Alliance® (NIA) is a brand of Alliance Member Services® (AMS). © 1996–2021 AMS.