Hired & Non-Owned Auto Program Details

• $1,000,000 Primary Liability Limit
• Up to $2,000,000 Excess Liability Available
• Maximum Total Limit: $3,000,000

Excess limits are subject to underwriting review and are only offered above the primary $1M layer to meet them.

• $6,000 Minimum Premium

Pricing may vary based on exposure, radius, driver count, and industry class.

Ideal for companies that rely on:

 Employee vehicles

Short-term rental vehicles
Vehicle allowances (instead of company vehicles)
No owned auto fleet exposure

Typical insureds include:

• Construction & contractors (non-fleet)
• Sales, field service, and consulting
• Real estate & property management
• Professional services
• Health & human services (case-by-case)
• Non-emergency transport (restricted, review required)
• Courier / delivery (excluding food)

Excluded:
Food delivery / app delivery
Rideshare (Uber/Lyft) primary policies

Covered Exposures

• Liability arising from non-owned and hired vehicles
• Employee personal vehicles used for company business
• Short-term or incidental vehicle rental for business activities
• Defense costs, settlements, judgments (where coverage applies)

Not Covered

• Vehicles owned by the business
• Damage to the vehicle itself (physical damage)
• Injuries to the driver
• Food delivery or gig-economy driving (excluded class)

To obtain terms, please provide:

• ACORD 125
• Supplemental application
• Driver list & MVRs (within 12 months)
• Loss runs (5 years if applicable)
• All drivers required to carry minimum $1,000,000 CSL coverage             (minimum $300,000 CSL for office personnel only)