Your Business
Hired & Non-Owned Auto Check
Staff running errands in their own cars is an auto exposure with no vehicle on your policy. See which half you carry.
Calibrate
Drag to set each value — estimates are fine.
Anyone running errands, visiting customers, collecting supplies or making a delivery — even occasionally.
Frequency changes the odds, not the coverage question.
Rented vans for a job or a delivery run are "hired autos" — the other half of this coverage.
Often an endorsement on a BOP or general liability policy rather than a separate policy.
Negligent-entrustment claims target the business directly, separately from the crash itself.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Staff who drive their own car for work
- How often does that happen?
- Does the business rent or lease vehicles?
- Do you carry hired & non-owned auto coverage?
- Do you check staff driving records?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.