Your Guide To Hired & Non-Owned Auto Insurance

Your Guide To Hired & Non-Owned Auto Insurance

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Protect Your Business From An Unexpected Expense

Whatever your line of work, there are likely times when you ask your employee to use his or her own personal car or rent a car on a business trip. Whether your team member uses his or her car regularly to visit clients or just every once in a while to pick up lunch, you run the risk of being on the hook for repairs and/or medical expenses if that employee gets into an accident.

You may be thinking that you will just have to risk it since you are not in the position to add more vehicles to your company fleet, but there is an insurance product that can help protect your business. Hired and non-owned auto insurance safeguards you in two ways. First, it will cover bodily injury and property damage if an accident happens in a borrowed or rented vehicle. Secondly, it will cover bodily injury and property damage if a non-owned vehicle (i.e. a car your business does not own, including those of your employees) driven by one of your employees gets into an accident.

Generally, the auto insurance carried by the owner of the vehicle will still be the policy to cover damages to the vehicle itself.

Without hired and non-owned auto insurance, you could face a legal battle resulting in you paying not just legal fees, but also the settlement for pricey hospital bills, physical therapy, and vehicle repairs. With this kind of coverage, you never have to worry about this nightmare scenario.

Do not leave your business exposed to the possibility of huge financial burden if one of your employees gets into an accident on a company errand or business trip.  Contact Hoffman Brown Company in Sherman Oaks, California for all of your commercial auto insurance needs. We are here to help you get the coverage you need to protect your business.

COVID-19 Update:

The Coronavirus, officially COVID-19, has become a global health emergency. One of the measures Hoffman Brown Company has taken to keep our CLIENTS and Teammates safe was to design a complete virtual work environment. For the foreseeable future, our colleagues will be conducting business virtually to avoid any disruption in our ability to serve you. These measures are based on the CDC’s guidance and will evolve with the situation. Please know that we are fully functional, available and look forward to being of service.