Tell us who drives for you
Share when employees use their own cars or rent vehicles for work. Your Spot team separates occasional errands from regular driving and deliveries.
Maple Street Co.Organized by Spot
Hired and Non-Owned Auto Insurance Quotes
Get hired and non-owned auto quotes with Spot
Tell your Spot team how people drive for you in rented and personal cars, and we prepare the submission brokers use to quote HNOA.
Get quotes from 10+ hired and non-owned auto insurance providers
- Rentals and employee driving described by how they’re used
- Whose liability each quote protects, made clear
- Keep your broker or switch, with no commissions on premiums
How it works
Add rental and ownership details
We note who signs rental agreements and whether vehicles are rented in the business’s or an employee’s name.
Hired and non-owned auto insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to request proposals from insurers that write hired and non-owned auto, and follow up on questions.
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AlexMaple Street Co.
What do we need to request hired and non-owned auto insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare who is protected
Each proposal’s liability limit, defense terms and treatment of the driver’s personal insurance sit side by side.
Insurance documents
Quote requestHired and non-owned auto insurance
Coverage limits · Policy terms
Maple Street Co.
What you’ll need
- 01
Employees who drive for work
Who they are and how often they drive on business.
- 02
How vehicles are used
Errands, client visits and deliveries described separately, since regular driving may be treated differently from occasional trips.
- 03
Rented vehicles
What you rent for work, how often, and who signs the rental agreement.
- 04
Vehicles owned by employees
Personal cars used for business and whether drivers have their own auto insurance.
- 05
Owned vehicles
Any vehicles the business owns, since hired and non-owned auto is not a substitute for commercial auto on them.
- 06
Driver screening
How you check driving records before someone drives for you.
- 07
Current coverage
Your expiring policy and any rental coverage you rely on.
What affects your price
- 01
How much people drive for you
Regular driving or deliveries cost more to insure than occasional errands.
- 02
Number of drivers
More people on the road for the business means more exposure.
- 03
Type of use
Deliveries, client transport and errands are rated differently.
- 04
Liability limit
A higher limit costs more.
- 05
Driver records
Insurers may look at the driving records of the people involved.
Providers your broker can approach
Get quotes from 10+ hired and non-owned auto insurance providers.
- AIG
- Amelia Risk
- Beazley
- CNA
- Corgi
- Founder Shield
- Foxquilt
- And many more
Common questions
Does hired and non-owned auto repair a rental van?
No. It addresses liability, not damage to the rented or employee-owned vehicle. That needs vehicle-damage protection.
Does it protect the employee who was driving?
Not automatically. Protection for the business doesn’t extend to the driver on its own, so we ask whose liability each proposal insures.
Do I still need commercial auto?
If your business owns vehicles, yes. Hired and non-owned auto is not a substitute for commercial auto on vehicles you own.
Can my auto broker quote this alongside commercial auto?
Yes. Spot works alongside brokers, takes no commissions on premiums and can take both to market together.
Related
Get insurance off your to-do list.
Tell your Spot team how people drive for you in rented and personal cars, and we prepare the submission brokers use to quote HNOA.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
