Hired and non-owned auto insurance covers damages when employees use their vehicles for business. It includes defense costs, liability claims, and settlements after an accident. This policy also covers any hired vehicle used for business errands. Personal auto policies may not always cover these damages.
The on-demand industry often connects with customers in a personal vehicle.
Suppose you hired a limo to drive a board member to the airport from the office.
Consider the exposure of an employee picking up a tool or piece of equipment in their vehicle.
A CEO uses their personal vehicle to drive to a board meeting.
An employee uses their car to deliver paperwork to a client.
An employee drives to pick up office supplies in their personal vehicle.
Check your policy documents to confirm your coverage. HNOA insurance covers items like:
Employees often use personal vehicles for work purposes, such as food delivery and courier services. However, accidents can still occur during delivery, regardless of the goods being transported.
Check your policy documents to see what HNOA insurance covers. Here are some examples.
Here are some claim examples that illustrate what Crime Insurance covers:
An employee uses their own car for company errands or meetings with clients. If there’s an accident, HNOA will assist.
A team member crashes a rented vehicle while at a conference. HNOA steps in to help.
Shoot us your email and we’ll kick off a conversation to help get you a quote on the best coverage for your brand.