What Is Hired and Non-Owned Auto Insurance?

Not all schools own vehicles, but most schools need to use them. For example, your school might rent a car for a business trip or subcontract delivery vans. This exposure makes Hired Auto Insurance important protection for your school. It protects you when you are held liable for an accident while using this vehicle for business purposes.

Non-Owned Auto Insurance covers your school when an employee drives a personal vehicle to run business errands – a fairly common situation for charter schools. You might send an employee to the post office or require the administration to drive their own cars to appointments. A Non-Owned Auto policy steps in when an employee has an accident in their personal vehicle while performing business tasks. It covers your legal expenses if a third party sues over the wreck.

What Is Hired and Non-Owned Auto Insurance?

Auto liability claims are costly, so they need Commercial Auto Insurance if your schools own any vehicles. But your client also needs coverage if they.

• Use their personal vehicle as their company vehicle.
• Require employees to drive their personal vehicles for business errands.
• Rent cars for business trips.
• Subcontract delivery drivers.
• Employ workers who are taxied to a worksite.