Difference Between Non-Owned Auto Insurance and Commercial Auto Insurance


Does your business use vehicles for deliveries, transporting inventory, or any other purpose? If so, you need to ensure you protect your property and your employees when they’re on the road. WWSPI helps you determine the difference between commercial auto insurance and hired and non-owned auto coverage.

Non-Owned Auto Insurance

Does your business use vehicles for work but not own them? If so, you’ll need hired and non-owned auto insurance. These policies cover your employees’ personal vehicles when used for work, as well as any rentals you use. Keep in mind that this liability coverage is not available for the vehicles if the accident occurred while they were being used for personal errands or outside of business hours.

Commercial Auto Insurance

If your company owns its vehicles, you’ll need a commercial auto insurance policy. Commercial coverage provides liability in case you damage somebody else’s vehicle. Additionally, you may be able to use your policy to cover medical expenses related to injuries, damage caused by theft, vandalism, or weather conditions, or uninsured motorists.

Regardless of whether you own your vehicles or need a hired and non-owned auto insurance policy, research potential agencies before signing on the dotted line. Look for a company that has experience providing business insurance, is licensed, and has a strong reputation within your community.