Non-owned and Hired Auto Insurance Coverage will protect you from lawsuits brought against you from the actions of your employees while driving their vehicles in the scope of their business duties.
There can be many reason why a company would use a non-owned vehicle or hire another vehicle such as a limo or rental car. Although these vehicles can and do usually carry liability coverage, many times the business will be included in any lawsuit if an employee was involved in the accident while in the course of business. If a vehicle is used and is not listed on your policy, you need non-owned and hire auto coverage for full liability coverage. With the predatory aspect of some lawyers now days, these individuals will always look for the deepest pockets when filing a lawsuit.