Hired & Non-Owned.
Liability coverage for rented business vehicles and employee-owned vehicles used for business purposes.
Coverage for Vehicles You Don't Own
Not every business vehicle is owned by the business. Hired and non-owned auto insurance helps protect your business when employees use rented vehicles or their personal vehicles for business purposes. We help Texas business owners understand this important coverage.
What This Coverage Can Help Protect
Rented Business Vehicles
May help cover liability when your business rents or hires vehicles for business use.
Employee-Owned Vehicles
May help cover liability when employees use their personal vehicles for business purposes.
Business Liability Exposure
Helps address liability exposure when non-owned vehicles are used for business.
Coverage Limitations
We help you understand what is and isn't covered under hired and non-owned auto.
Coverage Considerations
Employee Use of Personal Vehicles
If employees drive personal vehicles for business tasks, your business may have liability exposure.
Rental Car Coverage
Hired auto coverage may help address gaps when renting vehicles for business use.
Not Physical Damage
Hired and non-owned auto typically covers liability, not physical damage to the vehicle.
Employee Personal Policies
Employee personal auto policies may not cover business use, creating a gap.
Who This Coverage Is For
Businesses with Driving Employees
Any business where employees drive for work purposes, even occasionally.
Businesses That Rent Vehicles
Businesses that rent or hire vehicles for business use.
Service Businesses
Service businesses where employees travel to job sites using personal vehicles.
What do you need to insure?
Select the vehicle type that best describes what you drive for business.
Hired & Non-Owned Auto Insurance Questions, Answered
Personal auto policies often exclude or limit business use. Hired and non-owned auto helps address the gap by providing liability coverage for the business when employees use personal vehicles for work.
Hired auto covers vehicles your business rents or hires, while non-owned auto covers employee-owned vehicles used for business purposes. Both are typically included in a hired and non-owned auto policy.
Hired and non-owned auto typically covers liability, not physical damage to the rented or personal vehicle. Physical damage may need separate coverage.
Ready to Explore Your Options?
Start with a few details and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Auto Insurance to discuss your specific situation and available options.