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H ire d & N o n O w n ed Comm her c I am l Au t o I n s you an n CE App l i c a t i on 86 Carleton Avenue P.O. Box 599 East Slip, New York 117300599 (631) 5819300 Voice (631) 5819385 Fax www.BrownyardPrograms.com
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How to fill out hired & non-owned auto:

01
Gather necessary information: Before filling out the hired & non-owned auto form, gather all the required information. This includes details about the vehicle, such as make, model, year, and vehicle identification number (VIN). Additionally, have all the relevant driver information, including names, driver's license numbers, and driving history.
02
Understand the coverage limits: It is crucial to understand the coverage limits for hired & non-owned auto insurance. This type of coverage typically provides liability protection for vehicles that are not owned by the company but are used for business purposes. Familiarize yourself with the policy's terms, limits, and any exclusions that may apply.
03
Provide accurate information: When filling out the form, ensure that all the information provided is accurate and up to date. Any inaccuracies may result in coverage issues or claims denial later. Double-check all the details before submitting the form to avoid any potential complications.
04
Specify the coverage needed: Clearly indicate the coverage needed for the hired & non-owned auto. This may include liability coverage, collision coverage, or comprehensive coverage. Choose the appropriate options based on your business's requirements and any additional protection you may need.
05
Consider endorsements: Depending on your specific situation, you might want to consider adding endorsements to the hired & non-owned auto insurance policy. Endorsements provide additional coverage or modifications to the existing policy. Consult with your insurance provider about any additional endorsements that may be beneficial to your business.

Who needs hired & non-owned auto:

01
Businesses using rented or leased vehicles: If your business frequently rents or leases vehicles for various purposes, such as deliveries or client meetings, you may need hired & non-owned auto insurance. This coverage protects your business if an accident occurs while using rented or leased vehicles.
02
Employers with employees using personal vehicles for business purposes: If your employees use their personal vehicles for business-related activities, such as running errands or attending meetings, your business may need hired & non-owned auto insurance. This coverage fills the gaps left by employees' personal auto insurance policies.
03
Companies with employees traveling for business purposes: If your company requires employees to travel for business, either using rental vehicles or their own cars, hired & non-owned auto insurance provides an extra layer of protection. It covers potential liabilities resulting from accidents during business-related travel.
In summary, filling out the hired & non-owned auto form involves gathering the necessary information, understanding coverage limits, providing accurate details, specifying the required coverage, and considering endorsements if needed. This coverage is necessary for businesses using rented or leased vehicles, employers with employees using personal vehicles for business purposes, and companies with employees traveling for business.
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Hired and non-owned auto insurance provides coverage for vehicles that are rented, borrowed, or used for business purposes but are not owned by the company.
Businesses that rent or borrow vehicles for work purposes are required to file hired and non-owned auto insurance.
To fill out hired and non-owned auto insurance, you will need to provide information about the vehicles being used, the drivers, and the coverage needed.
The purpose of hired and non-owned auto insurance is to protect businesses from liability in case of accidents involving vehicles that are not owned by the company.
Information that must be reported on hired and non-owned auto insurance includes details about the vehicles, drivers, coverage limits, and any claims history.
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