Your business can be held responsible for accidents involving vehicles it does not own. An employee who plows a route in their own pickup, a rented truck brought in for a big storm, or a subcontractor's vehicle can all create liability that lands on your company.
What It Covers
Hired and non owned auto coverage protects your business against liability claims arising from the use of vehicles you do not own but that are used for your work. It generally does not cover damage to those vehicles themselves. The vehicle owner's own policy is expected to respond first, with your coverage sitting behind it for claims against your business.
Common Snow Removal Situations
- Employees using personal trucks. Their personal policy may not cover commercial plowing at all, which increases the chance a claim reaches your business. See does personal auto insurance cover plowing.
- Rented trucks and loaders. Rental agreements usually make you responsible for damage. Ask your broker how rented equipment is covered.
- Subcontractors. Require them to carry their own commercial auto and liability insurance. See hiring subcontractors safely.
How It Is Added
In many provinces this coverage is written on a standard non owned automobile form attached to your business policy. Your broker will use the correct form for your province and confirm the limits match your general liability and any umbrella.
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Frequently Asked Questions
Does non owned auto cover damage to my employee's truck?
Generally no. It covers your business's liability, not physical damage to the vehicle.
Do I need this if all my trucks are on my fleet policy?
If anyone ever drives a vehicle you do not own for your business, including rentals, it is worth discussing with your broker.