Hired & Non-Owned Auto Insurance in Denver, Colorado

Why Denver Businesses Need Hired and Non-Owned Auto Coverage

Hired and non-owned auto liability insurance covers your business when employees drive vehicles not owned by the company for work purposes. This includes personal vehicles used for business errands and rental cars for business trips. Your commercial auto policy only covers vehicles your business owns, and employee personal auto policies may deny claims for business use. Hired and non-owned coverage fills this gap, protecting your Denver business from liability when accidents happen in vehicles you don't own.

What Does Hired and Non-Owned Auto Insurance Cover?

Hired auto coverage protects your business when you rent or lease vehicles for business purposes. Non-owned auto coverage applies when employees use their personal vehicles for work-related tasks like running errands, making deliveries, or visiting clients. The policy covers bodily injury and property damage liability your business faces from accidents. It provides defense costs, settlements, and judgments when you're sued. Coverage applies after the employee's personal policy limits are exhausted.

Benefits of Hired and Non-Owned Auto for Colorado Businesses

Your business can be sued when employees have accidents while working, even if they're driving their own vehicle. Employee personal auto policies often exclude business use, and commercial auto policies don't cover vehicles you don't own. Hired and non-owned auto insurance is relatively inexpensive coverage that closes a significant liability gap. Many contracts and client agreements require this coverage before you can work with them.

When Does My Business Need This Coverage?

If employees ever drive their own cars for business errands, visit clients, make deliveries, or travel for work, you need non-owned auto coverage. If your business ever rents vehicles for business purposes, you need hired auto coverage. Most Denver businesses have at least occasional exposure to these risks, making this affordable coverage a smart addition to your insurance program.

Does This Cover Physical Damage to the Vehicle?

No, hired and non-owned auto liability only covers your legal liability to others. It doesn't cover damage to the rental or employee vehicle itself. For rental car physical damage, you can purchase coverage from the rental company or check if your commercial auto policy includes it. Our agents can review your current coverage and recommend options for complete protection.

Get a Hired and Non-Owned Auto Insurance Quote in Denver, Colorado

Our hired and non-owned auto insurance agents serve Denver, Colorado and surrounding areas including Aurora, Golden, Lakewood, Thornton, and Westminster. Contact Seguros Ideal Inc today for a free quote.