Hired and Non-Hired Auto Insurance covers bodily injury and property damage caused by an automobile you hire on non-owned vehicles. It will not pay for physical damage to the vehicle itself, but provides liability coverage to a business owner if one of these vehicles is involved in an accident that causes property damage or personal injury. Many companies forget that their business has an additional exposure to a loss that arises from employees or others using hired or non-owned vehicles for company business. An example is you rent a box truck to take supplies to a jobsite. One of your employees while driving the truck causes an accident. You will have liability coverage for any property damage or personal injury they may cause.
Non-owned coverage is the use of a personal vehicle owned by an employee, volunteer or anyone besides the insured doing company hours while doing company related business. It applies to bodily injury or property damages arising from use of persons other than the owner, providers and receivers are all considered non-owned automobiles. An example of this is if you send an employee to the building supply outlet to pick up some things needed at a job. They take their personal vehicle and are involved in an accident. Again your business will have coverage.