Hired and Non-Owned Auto Coverage

Drive with Confidence, Covered On the Go!

Hired and Non-Owned Auto Coverage

Hired and Non-Owned Auto Coverage is a critical part of fleet insurance, particularly for businesses that rely on rented or employee-owned vehicles. This coverage protects businesses from liabilities associated with vehicles they hire but do not own, providing financial protection and peace of mind. Whether you're renting a vehicle for company errands or utilizing employee vehicles for business purposes, this policy ensures you're covered against unforeseen accidents or damages. It's an essential safeguard for maintaining operational continuity without the worry of unexpected expenses.

Covers liabilities for vehicles you hire or don't own.
Avoids potential financial losses from auto accidents.
Ensures compliance with industry regulations.

Homeowners 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

Hired and Non-Owned Auto Coverage is ideal for businesses that engage in regular or occasional use of rental vehicles or depend on employees' personal vehicles for business-related activities. It's crucial for maintaining smooth operations while managing risks effectively.

Small Business Owner
- Uses rental vehicles for deliveries and customer visits.
- Needs protection against liabilities from hired vehicles.
- Corporate Fleet Manager
  - Regularly employs employees' cars for company chores.
  - Looks for affordable ways to mitigate risk without owning a full fleet.
- Event Planner
  - Rents vehicles for transporting equipment and personnel.
  - Requires insurance coverage to handle unexpected incidents efficiently.

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.

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Limits and Options

The coverage limits for Hired and Non-Owned Auto Insurance can vary depending on the policy and the insurer. Typically, businesses can choose coverage limits similar to those of their general liability or commercial auto policies. These policies can include specific options for physical damage, deductibles, and coverage enhancements such as uninsured/underinsured motorist coverage. Reviewing these limits carefully ensures that businesses have the necessary protection tailored to their operational demands.

Liability coverage options usually start at $500,000 and can go higher.
Physical damage deductible options depend on the insurance provider.
Options to add uninsured and underinsured motorist coverage.

Exclusions and Limitations

Liability coverage options usually start at $500,000 and can go higher.
Physical damage deductible options depend on the insurance provider.
Options to add uninsured and underinsured motorist coverage.

Legal and Regulatory

This advertisement provides a brief description of Hired and Non-Owned Auto Coverage policy. The actual coverage is subject to the terms, conditions, and exclusions of the issued policy. Please review your policy and consult with your insurance advisor for details regarding your specific coverage needs and legal compliance.

Image 1: A fleet manager reviewing fleet insurance options with a client, depicting thorough planning.
Image 2: Diverse employees handing over keys of rental cars, highlighting flexibility and inclusivity.
Image 3: An accident-free day on the road with happy drivers, embodying safety and security.