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Juniper ConsultingOrganized by Spot
Compare Hired and Non-Owned Auto Insurance Quotes
Compare hired and non-owned auto insurance quotes with Spot
Spot checks which policy pays first and whose liability each hired and non-owned quote protects before you compare limits.
Compare quotes from 10+ hired and non-owned auto insurance providers
- Order of payment with personal and rental coverage checked
- Whose liability is protected made explicit
- Keep your broker or switch, with no commissions on premiums
How it works
We check the order of payment
Spot compares how each quote works with drivers’ personal insurance and rental coverage, and who is protected at each point.
Hired and non-owned auto insurance
Juniper Consulting · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Ask about limits and claims
Your Spot team explains each quote’s liability limit, its defense terms and how one accident with several claimants uses the limit.
# spot-support
SamJuniper Consulting
Can you help compare our hired and non-owned auto insurance options?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Choose and bind
Pick the quote that fits your team’s driving. Your Spot team helps you bind it and files the policy with your other coverage.
Insurance documents
Quote comparisonHired and non-owned auto insurance
Coverage limits · Policy terms
Juniper Consulting
What to compare
- 01
Which policy pays first
How the quote sits beside the driver’s personal auto policy or the rental company’s coverage, and where your protection begins.
- 02
Whose liability is protected
Protection for the company doesn’t automatically extend to the employee behind the wheel.
- 03
Liability limit
The amount available, and how it applies when one accident leads to several claims.
- 04
Defense terms
How the insurer defends claims against your business, and whether defense uses the limit.
- 05
Hired and non-owned
Whether the quote reaches both vehicles you rent and employees’ own cars used for business.
- 06
Property being carried
Goods in the vehicle and damage to property in your care are separate questions to put to each quote.
- 07
A vehicle you buy
When the business buys a vehicle, commercial auto applies instead of this coverage.
Differences to watch for
- 01
No protection for the vehicle itself
This coverage addresses liability. It doesn’t pay for damage to the rented or employee-owned car.
- 02
The company covered, the employee not
A quote can protect your business and leave the person driving without the same protection.
- 03
A purchased vehicle
Once the business owns a vehicle, it should be treated under commercial auto, not as a hired or non-owned one.
- 04
Driver checks
Insurers may ask how you check driving records and confirm employees’ personal auto insurance. Have your answers ready.
Providers your broker can approach
Compare quotes from 10+ hired and non-owned auto insurance providers.
- AIG
- Amelia Risk
- Beazley
- CNA
- Corgi
- Founder Shield
- Foxquilt
- And many more
Common questions
Do I need this if I have no company cars?
If employees drive for work or you rent vehicles, it’s worth comparing. Spot checks each quote against your actual driving.
Does this cover damage to a rental car?
No. It addresses liability, not damage to the hired or employee-owned vehicle.
Do I have to change brokers to compare quotes?
No. Spot doesn’t replace brokers or earn commissions on premiums, so your broker relationship is yours to keep or change.
When do I need commercial auto instead?
When the business owns the vehicle. Spot can take both to market so you can compare.
Related
Get insurance off your to-do list.
Spot checks which policy pays first and whose liability each hired and non-owned quote protects before you compare limits.
Get StartedLearn more before you compare quotes
Read these before you choose a policy or an insurer.
