Businesses renting vehicles or getting their employees to drive their own cars for business purposes have specific insurance needs. In the state of Florida, this type of coverage is known as "hired and non-owned auto liability insurance."

Bellken Insurance Group is proud to provide the guidance and protection businesses need with Florida-hired and non-owned auto coverage. Thanks to our solid partnerships with leading insurance carriers, we’re able to provide competitive rates, and the coverage businesses need. Let us help you secure the protection that’s right for your business.

What is Hired and Non-Owned Auto Coverage?

Hired and Non-Owned Auto Coverage provides unique insurance coverage for businesses and their employees. This coverage is used when an insured business or individual needs to operate an automobile that is not owned by them.

It includes the liability incurred when the use of the vehicle injures someone else or damages property, as well as any injury protection required by local law. With this coverage, risks associated with the usage of hired and non-owned vehicles can be managed more effectively, leaving small business owners feeling more secure in their operations.

Hired and Non-Owned Auto Coverage may also help individuals protect their personal assets by providing liability protection while driving cars they don't own–a great safeguard in today's world!

How Does Hired and Non-Owned Auto Coverage Work?

As mentioned above, hired and non-owned auto coverage is intended to cover liabilities associated with the usage of vehicles not owned by an insured business or individual. Generally, this type of coverage is triggered when the insured operation or individual uses an owned vehicle as part of their business operations.

When an insured individual drives a non-owned vehicle, hired and non-owned auto coverage picks up any costs associated with liability claims resulting from using that vehicle. However, this type of coverage does not provide physical damage protection to the vehicle itself, as it is not technically owned by the insured individual or business.

Who Needs Hired and Non-Owned Auto Coverage?

Hired and non-owned auto coverage is important for businesses that utilize vehicles they do not own, either by renting them or allowing their employees to use personal vehicles for business purposes. It is typically recommended for:

Delivery companies that rent vehicles or sub-contract drivers.
Small businesses in need of short-term usage of a vehicle for business purposes.
Companies that utilize employees’ personal cars for business travel.
Contractors that require vehicles for jobs and projects.
Real estate agents who need to travel for their job.
Event planners who use vehicles for corporate events.
Non-profit organizations that utilize rented or non-owned vehicles.
Home health care agencies that utilize employees’ personal cars to transport clients.
Transportation companies that use sub-contracted drivers.
Handyman services who need to use rented or non-owned vehicles for transportation.
Companies with traveling sales teams that utilize personal cars.
Lawn care companies that use non-owned vehicles for business purposes.
Private investigators that utilize non-owned vehicles for surveillance and investigations.
Mobile medical providers who use rented or non-owned vehicles.
Businesses with field service technicians who utilize non-owned vehicles.
Taxi and ride-sharing services that use personal vehicles for business purposes.

Can't see your business on the list? you might still benefit from hired and non-owned auto coverage. Contact us to discuss your specific situation and understand how this coverage can help protect your business.

Exceptions to Florida Hired and Non-Owned Auto Coverage

Hired and non-owned auto coverage does not cover physical damage to the vehicle, as it is not technically owned by the insured individual or business. Other exclusions may include:

Intentional acts of the insured or any other insured parties.
Injury or damage sustained while the vehicle is used for illegal activities.
Injuries or damage sustained while the vehicle is being operated by any uninsured driver or by an employee or volunteer of the insured who is operating the vehicle for personal use.
Injury or damage sustained from loading, unloading, or handling cargo.
Injury or damage sustained while the vehicle is transporting hazardous materials.
Injury or damage sustained while the vehicle is being operated off a public road or highway.
Injury or damage sustained while the vehicle is being operated by an employee or volunteer of the insured who is not authorized to operate that vehicle.

It is also important to note that there are certain limits and restrictions when it comes to hired and non-owned auto coverage. Be sure to talk with a Florida auto insurance agent to understand exactly how this coverage applies to you and any potential exceptions or exclusions.

How Much Does Hire and Non-Owned Auto Coverage Cost in Florida?

The cost of hire and non-owned auto coverage in Florida can vary significantly depending on several factors, such as the size of your business, the amount and type of coverage needed, and any discounts or incentives you may be eligible for.

On average, companies buying this coverage in Florida spend anywhere from $100 to $500 annually per vehicle, though comprehensive policies that provide added benefits like replacement costs or legal fees could cost up to tens of thousands.

No two businesses are exactly alike—connecting with an insurance agent knowledgeable about the local market can be extremely helpful when shopping for the best policy at a competitive rate.

Ultimately, regardless of how much is paid for hire and non-owned auto coverage in Florida, it may still prove to be an important protection against costly claims stemming from these items being used for business purposes.

Common Discounts to Look for When Shopping for Hired and Non-Owned Auto Coverage in Florida

When shopping for hired and non-owned auto coverage, several discounts can be taken advantage of. These include:

Multi-vehicle discount – If multiple cars, vans or trucks are covered with the same policy, you can save money.
Multi-policy discount – Taking out more than one policy with the same provider can often lower your overall premium.
Driver safety/training discount – Many insurers offer discounts for drivers who have completed safety training courses.
Low mileage discount – Drivers who drive less than the average number of miles per year can save money on their premiums.
Good driver discount – A good driver is one who has a clean driving record, meaning they have not been in any accidents or received moving violations within the last few years.

By speaking with a Florida insurance agent, you can find out what discounts and incentives may be available to help reduce the cost of coverage.

How Do I Get Hired and Non-Owned Auto Coverage?

If you are looking for hired and non-owned auto coverage in Florida, there are a few steps you can take:

Research different providers – This can be done online by speaking with friends or family and through an insurance agent.
Compare policies – When comparing quotes, be sure to check for any discounts or incentives that can help lower the cost of coverage.
Decide on coverage – Determine what type and amount of coverage you need for your business.
Get a quote – Contact an insurance agent or provider for an estimate of coverage and costs.
Ask questions – Make sure to ask any questions you may have about the coverage before signing any contracts.
Sign the contract – Once you’ve decided on a policy, sign the contract and start enjoying the added protection of hired and non-owned auto coverage in Florida.

By taking the time to research and compare different policies, you can ensure that you are getting the best coverage at the right price for your business.

Why Work with a Florida Auto Insurance Agent?

Working with a Florida auto insurance agent is one of the best ways to ensure you get the most out of your hire and non-owned auto coverage. Agents have access to a wide range of policies and can help you find the right one at an affordable price. They are also familiar with the local market and can help you find discounts and incentives that may apply to your business.

The big benefit of working with someone who knows the local market is that they can provide helpful advice on saving money and getting the most out of your coverage.

By working with a knowledgeable Florida auto insurance agent, you can get the right coverage at an affordable rate and enjoy added peace of mind knowing that your business is protected.

Compare Florida’s Hired and Non-Owned Auto Coverage

Hire and non-owned auto coverage can be a great way to protect your business from costly claims. Here at Bellken Insurance Group, we will work with you to find the right coverage for your business at an affordable rate.

We understand that every business is unique, so we offer a range of options and discounts that can help you save money. Our team will work with you to compare policies and find the best one for your needs.

If you’re looking for hired and non-owned auto coverage in Florida, contact us today to get started. We can help you find the right coverage and save money on premiums.