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Do You Need Hired & Non-Owned Auto Insurance? The Answer May Surprise You!


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Organizations that don’t own company vehicles, may automatically assume they don’t need auto insurance. Nothing could be further from the truth! If you have employees or volunteers that drive their own vehicles on behalf of your organization, for any reason, then you can become responsible for auto claims. Situations where your organization may be responsible for damages can include (but is not limited to):

  1. Using their own vehicle to go to meetings

  2. Using their own vehicle to go to the bank, the post office, or other errands

  3. Using their own vehicle to provide the services offered by your organization

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