Highlighted Features of Non-Owned/Hired Auto Liability
(All included at no additional charge, unless noted)
Non-Owned Auto Liability Highlighted Features
- 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
- Umbrella, if applicable, follows form
- Low minimum premium
- Hired Auto Liability Highlighted Features
- Covers autos which the nonprofit leases, hires, rents or borrows (other than employees’ or volunteers’ auto)
- $1,000,000 limits
- Coverage designed to extend to the nonprofit organization and its drivers
- Excess over the rental company’s policy
- Umbrella, if applicable, follows form
- NIAC: Hired Auto Physical Damage Coverage available subject to deductible – eliminates costly daily physical damage waivers charged by rental companies.
- ANI: Hired Auto Physical Damage Coverage available for an additional premium, subject to a deductible (HAPD
written by NAE). - Low minimum premium