Hired/Non-Owned Liability

Purchase Your Hired/Non-Owned Liability Insurance Through A Managing General Agent, Wholesaler or Underwriter

Hired auto liability coverage will pay for damages to a third party, on behalf of insured company, if the insured causes an accident or an injury to someone while they are driving a leased, hired, rented, or borrowed vehicle for business. Non-Owned Auto coverage protects the insured company in the event that the insured company is sued as a result of an auto accident that the insured, or one of the insured employees, has in a personal vehicle while on company business.

It is wise for any trucker to have hired / non-owned liability coverage regardless of whether he has a scheduled or fleet policy and regardless of the size of his fleet. This eliminates any potential gaps in coverage, should he hire an owner operator to haul a load or have a temporary substitute vehicle on while the scheduled unit is in for repair.

There is also a coverage referred to as hired car Automobile Physical damage coverage that picks up a hired or non-owned vehicle for the purpose of physical damage. There is usually a limit attached to the coverage, since the covered vehicle is not scheduled or owned. This coverage is not to be confused with Hired and Non-owned Liability Coverage.

Hired Car Physical Damage coverage can be used to cover a short term rental that the shop gives you to replace your regular unit, and if the coverage is on file with the repair facility, then there is usually minimal paperwork.

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Sunforest Transportation Insurance Group (STIG) is your source for trucking insurance. We know trucking and we will help you take great care of your clients.There are many places you can buy insurance but only one with insurance professionals who know the transportation industry the way we do. We provide retail agents access to top admitted and non admitted truck insurance companies. Coverage is offered in the Midwest and Mid-Atlantic region.We are not in the business of selling you insurance, but rather in the business of helping your trucking clients purchase insurance.

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