Hired and Non-Owned Auto Coverage
Drive with Confidence, No Matter Who's Behind the Wheel
Hired and Non-Owned Auto Coverage
Hired and Non-Owned Auto Coverage offers businesses a robust safeguard against liabilities arising from the use of vehicles not owned by them. This vital coverage is essential for organizations that frequently rent vehicles or allow employees to use personal cars for company purposes. It helps manage risks and protects your business from potential financial burdens due to accidents involving non-company vehicles.
- Covers liability when employees use personal or rented vehicles for business purposes.
- Provides financial protection against claims and lawsuits.
- Supports businesses without a dedicated vehicle fleet.
This insurance is a policy that safeguards your home against damages and liabilities. It provides financial protection for your property, personal belongings, and even liability claims, ensuring you can recover from unexpected events.
Who Needs This
This coverage is ideal for any business that employs non-company vehicles in its operations. Organizations ranging from small businesses to large enterprises can benefit from the additional protection it offers against unforeseen road incidents.
- Small Business Owners
- Protection when personal or rented vehicles are used for business actions.
- Avoid high costs of owning and insuring company vehicles.
- Corporate Managers
- Ensure company liability is covered when employees use their personal cars for client visits.
- Financial protection from potential lawsuits and claims.
- Freelancers and Consultants
- Coverage during client travels using rented vehicles.
- Avoid personal asset risk in case of accidents.
Protect What Matters Most with Fort Collin's Insurance
At Fort Collins Insurance we're dedicated to providing you with the peace of mind that comes from knowing you're properly protected. We offer a comprehensive range of insurance options tailored to your specific needs and location.
Limits and Options
Hired and Non-Owned Auto Coverage offers customizable limits to fit a business's specific needs. Coverage can range from basic liability protection to more extensive plans that include legal defense costs and high liability limits. Deductibles are generally affordable, and businesses can select additional options like higher limits for high-risk operations.
- Basic Liability Coverage: Covers minimum state-required limits for non-owned vehicles.
- Enhanced Liability Protection: Higher limits for businesses requiring more extensive coverage.
- Customizable Deductibles: Choose a deductible that aligns with your risk strategy.
Exclusions and Limitations
Hired and Non-Owned Auto Coverage offers customizable limits to fit a business's specific needs. Coverage can range from basic liability protection to more extensive plans that include legal defense costs and high liability limits. Deductibles are generally affordable, and businesses can select additional options like higher limits for high-risk operations.
- Basic Liability Coverage: Covers minimum state-required limits for non-owned vehicles.
- Enhanced Liability Protection: Higher limits for businesses requiring more extensive coverage.
- Customizable Deductibles: Choose a deductible that aligns with your risk strategy.
Legal and Regulatory
Legal disclaimers: Hired and Non-Owned Auto Coverage may vary by state and underwriter. Policies typically exclude intentional damages and non-business-related incidents. Always review the specific terms with your insurance provider to comprehend the full scope of coverage, exclusions, and legal obligations.
- An office team planning a road trip with maps and tablets, emphasizing forward-thinking and preparedness.
- A delivery person happily handing over goods from a rented van, symbolizing reliability and service.
- A fleet of rental vehicles parked at an office lot, showcasing versatility and readiness.