Hired and Non-Owned Auto insurance (often referred to as simply “Auto” in a contract) is coverage that can protect your business against property damage and bodily injury associated with hiring, renting, or borrowing a vehicle. For example, if you’re an independent contractor delivering flowers in a truck owned by the flower shop, you would need Hired and Non-Owned Auto because your personal auto insurance wouldn’t cover it, and you wouldn’t be listed on the flower shop’s auto insurance.
Auto Liability is for owned vehicles. This is typically required when a vendor or independent contractor is driving in conjunction with the services they’re providing (i.e. not just to and from the worksite). For example, if you are delivering food for an on-demand delivery service and you get in an accident, your personal auto coverage may not cover it. Often times, your personal auto policy can be used in these cases, but it’s important to check the fine print to make sure you’re covered.
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