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    NEED COVERAGE, LIKE YESTERDAY?

    Whether you just closed a huge new account or if you are moving into that sweet new office; chances are you need proof of insurance - and you need it fast!

    Here @ Insurance4Technology, we utilize the best insurance tech available to turn around customized quotes catered to your exact needs in hours, not days.

     

    Hired Auto and Non-Owned Automobile Coverage

    What is Hired Automobile Coverage?

    Hired Auto covers the liability arising from the use of rented or borrowed vehicles. Coverage can be added to a Business Package Policy or be purchased on a Commercial Auto Policy if the business has owned vehicles. 

    What is Non-Owned Automobile Coverage

    Non-Owned Auto liability covers autos that are used in connection with the named insured’s business but are neither owned, leased, hired, rented or borrowed by the named insured.  The term specifically applies to vehicles owned by employees and used for company business. Coverage applies to liability only, not physical damage to non-owned vehicles. Non-Owned Auto Liability can also be added to a Busniess Package Policy at a nominal fee.

    Why You Need Hired and Non-Owned Automobile Coverage

    If you are sending employees or contractors out to see clients or run errands on business time, your business is exposed to the damage they may cause in there personal or rented vehicle. An attorney of the injured party will quickly learn that they were on the clock and come after the business since your employees personal auto insurance likely carries low liability limits. These claims can be devastating to your business and the cost of this insurance is usually less than $150 per year. We strongly advise to add Hired and Non-Owned Auto Liability to your policies since most business have some exposure to both. Don't leave your employee's driving to chance...


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    Copyright © 2016, Brown & Brown Insurance Services of CA, Inc. All rights reserved.

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