Boots on the Street

Ahren Hohenwarter, CPCU, CWCA

Hired and Non-Owned Auto Exposures

Often over looked, Hired and Non-Owned Automobile exposures can potentially put your business and its assets at risk.  Hired Automobile Exposures arise out of the use of a vehicle rented in the company’s name by an employee, independent contractor or volunteer while conducting company business (e.g. Sales Persons).  Non-Owned Automobile Exposures are created when an employee, independent contractor or volunteer operates their personal vehicle on behalf of the company.  This could be as simple as a quick trip to the bank or as complex as managing a large traveling sales force; liability can arise out of both scenarios.

Although employees are responsible for safely operating their own vehicles and mai...