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. Auto liability is for vehicles owned. This is typically required when a vendor or independent contractor is driving in conjunction with the services they are providing (i.e. not just to and from the worksite). Often times a personal auto policy can be used to satisfy the requirement.
Hired and Non-Owned Auto
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