Hired Non-Owned Auto Insurance

Hired and non-owned auto insurance is a type of insurance that provides coverage for vehicles that are not owned by a business but are used for business purposes.

  • Hired auto insurance provides coverage for vehicles that are rented or leased specifically for business use.
  • Non-owned auto insurance provides coverage for vehicles that are owned by others and used for business purposes, such as an employee's personal car.

Hired and Non-Owned Auto insurance bridges the gap between Personal Auto, which can have exclusions for when a vehicle is being used for commercial/business purposes, and Commercial Auto which only applies to vehicles owned, leased, or rented by the company.

Benefits of hired and non-owned auto insurance include:

  • Liability coverage: This covers damages or injuries that you or your employees may cause to other people or their property while operating a vehicle for business purposes.
  • Physical damage coverage: This covers damages to a rented or leased vehicle resulting from an accident, theft, or other covered event.
  • Medical payments coverage: This covers medical expenses for you or your passengers if you are involved in an accident while driving a vehicle for business purposes.
  • Uninsured/underinsured motorist coverage: This covers damages or injuries caused by another driver who does not have sufficient insurance coverage.

Depending on your coverage, your policy may provide:

  • Legal Cost Reimbursement: If you are sued as a result of an employee getting into an accident, Hired Non-Owned Auto insurance can help cover legal expenses following a claim.
  • Protection for employees of all statuses: Hired Non-Owned Auto policies can provide coverage for all staff, including full-time, part-time and temporary employees.

Hired and non-owned auto insurance may be needed by businesses that frequently use vehicles that are not owned by the business for business purposes. This could include delivery drivers, such as pizza delivery drivers, who use their own personal vehicles to make deliveries. In these cases, hired and non-owned auto insurance can protect the company from financial losses that may result from accidents or other incidents involving these vehicles.

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The Concklin Difference

Family Owned Small Business

We understand small business because we are one. Concklin Insurance Agency was started by Craig Concklin and his father, Tom Concklin in 1981.  We continue to be a family owned, small business to this day.

Independent Insurance Agents

Concklin Insurance Agency has relationships with over 30 insurance carriers.  This means we have options to make sure you have the coverage you need, at the best value - uninterrupted.

Value Added Services

We offer a wide range of value added services including our Client Resource Portal and comprehensive Training and Learning Solutions Portal.

Community Involvement

We understand the importance of community. Which is why we participate in fund raisers, and donate directly to local and national nonprofits.  

Client Advocacy

As Trusted Insurance Advisors we are your advocate for all things insurance. We are here to talk about ways to mitigate your losses, provide insights into the insurance market and trends, and ,should a claim occur, we are in your corner every step of the way.

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At the end of every quarter we donate $20 for each referral we receive. If you'd like to learn more about our referral program, or send us a referral - click here.

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