Hired & Non-Owned Auto Check

Step by step

1. Any staff driving their own car for work at any frequency other than "never" creates a non-owned auto exposure.
2. Renting or leasing vehicles creates a hired auto exposure, which is the other half of the same endorsement.
3. Each exposure is flagged when the coverage is not confirmed as carried; "not sure" counts as unconfirmed rather than as covered.
4. The personal-policy row notes that the employee's own policy may not respond to business use. It draws attention only while the hired and non-owned endorsement is unconfirmed, because that endorsement is what answers for the business once it is in place.
5. Driver-record checks are flagged separately, because negligent-entrustment claims target the business directly rather than through the vehicle.

The formula

No arithmetic — this is a determination against how vehicles are used and what coverage is carried.

Important disclosures

1. This tool is educational only. It illustrates potential exposure using the assumptions shown — it is not insurance advice, a price, or an offer of coverage, and it does not determine whether any coverage amount is right for you. Policy language varies; review your actual policy and discuss your situation with a licensed insurance professional.
2. Hired and non-owned auto coverage is usually liability-only. It generally does not repair the employee's own car or a hired vehicle — physical damage on those is a separate matter, often handled by the rental agreement or the employee's own policy.
3. Whether a personal auto policy responds to a particular business trip depends on its wording and the nature of the use. Commuting, occasional errands, and regular delivery work are commonly treated very differently.
4. Where an employee's personal policy does respond, it is generally primary and the business's hired and non-owned coverage sits above it. Personal limits are often thin relative to a serious injury claim, which is the layer the business remains liable for.
5. Delivery and courier work is excluded by most personal auto policies and is frequently excluded or separately rated on commercial policies too. It is worth naming explicitly when discussing coverage.