Hired Auto Insurance
Auto Insurance That Works As Hard As You Do
Get customized coverage at competitive rates with 24/7 claims service and roadside assistance included.
Get Your Custom Quote
Get customized coverage at competitive rates with 24/7 claims service and roadside assistance included.
Get Your Custom Quote
Overpaying for coverage you don't need
Slow claims processing when you need help most
Hidden fees and surprise rate increases
Poor customer service when you have questions
Customized coverage tailored to your needs
24/7 claims service with fast response times
Transparent pricing with no hidden fees
Award-winning customer service team
We offer comprehensive protection for all types of vehicles and drivers
Long-term Customer
"Hired Auto saved me over $600 a year compared to my old insurer, with better coverage. Their claims process was incredibly smooth when I had an accident last winter."
New Customer
"Switching to Hired Auto was the best decision I made this year. Their customer service team explained everything clearly and helped me find the perfect coverage."
Hired auto insurance provides liability coverage for vehicles your business rents, leases, or borrows — any vehicle your company uses but doesn't own outright. It pays for bodily injury and property damage if your business is found liable for an accident in a rented or hired vehicle.
Any business that rents vehicles for employee travel, leases fleet vehicles, or has employees who drive rental cars for company purposes needs hired auto coverage. Without it, your standard commercial auto policy won't cover accidents in vehicles you rent or lease.
Hired auto insurance is typically added as an endorsement to a commercial auto or general liability policy, costing $100–$500 per year for most small businesses. The exact cost depends on the number of employees, frequency of vehicle rentals, coverage limits, and your claims history.
Yes. Hired auto insurance is specifically designed to cover vehicles rented or leased by your business, including rental cars used for business travel. It provides liability protection that the rental counter's collision damage waiver does not.
Hired auto covers vehicles your business rents or leases. Non-owned auto covers vehicles your employees own personally but use for business purposes. Most businesses need both coverages — they are often sold together as hired and non-owned auto (HNOA) insurance.
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