Highlighted Features of Non-Owned/Hired Auto Liability
(All included at no additional charge, unless noted)
Non-Owned Auto Liability Highlighted Features
- Covers autos you don’t own, lease, rent, borrow, or hire used in connection with your business
- Your organization and the driver are all covered
- Includes autos owned by your Employees and Volunteers
- Is excess over the Employee’s or Volunteer’s personal auto policy
- Drops down to become primary if the Employee’s or Volunteer’s auto policy does not apply (e.g., business use exclusion)
- $1,000,000 Limits
- Umbrella, if applicable, follows form
- Low Minimum Premium
Hired Auto Liability Highlighted Features
- Covers autos you lease, hire, rent or borrow (other than Employees’ or Volunteers’ autos)
- Your organization and the drivers are all covered
- Excess over the rental company’s policy
- Drops down to become primary if rental company’s policy is excess (as is the case in some states)
- $1,000,000 Limits
- Umbrella, if applicable, follows form
- Low Minimum Premium
- Hired Auto Physical Damage available subject to deductible – eliminates costly daily physical damage waivers charged by rental companies.