Hired and Non-Owned Auto Checklist and Policy Questions

What this coverage question is really about

Hired and Non-Owned Auto Checklist and Policy Questions is best evaluated by starting with the exposure: hired, rented and employee-owned vehicles used for business. Depending on the policy, it may address liability arising from certain rented or non-owned autos used for work. The exact form, endorsements, limits, definitions, exclusions, and conditions control.

Important caution: it does not automatically cover physical damage to rented autos or every employee vehicle exposure.

Policy wording to locate

Ask for the declarations page, forms list, and endorsement schedule before relying on a summary.

• Insuring agreement or coverage grant.
• Definitions that describe covered persons, property, services, autos, locations, or events.
• Limits, sublimits, deductible or retention, and aggregate structure.
• Exclusions and endorsements that change the base form.
• Territory, policy period, reporting or notice conditions when relevant.

Questions before buying

Use the same exposure description with every provider so answers are comparable.

• Does the quoted form match the business’s actual hired, rented and employee-owned vehicles used for business?
• Which situations are handled by a different policy line?
• Which endorsements are required by a lease, client, lender, venue, or project?
• What documents will the insurer request at audit, renewal, certificate issuance, or claim time?

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