Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Key takeaways...

  • Each insurance agency will price their insurance products differently from their competitors
  • Shopping around will net you the best possible deal on your insurance policy
  • Basic commercial auto insurance will not cover the vehicle if it is involved in an accident

Many businesses use vehicles to carry out day to day activities. In most cases, these vehicles are owned either by the business or by the owners of the business themselves.

However, from time to time it becomes necessary to utilize a vehicle that is neither owned by the business nor the business owners.

In these cases, primary commercial auto insurance will not cover the vehicle if it is involved in an accident. Additionally, the car owner’s auto insurance policy won’t include the damage if the car was being used for business purposes.

Be sure to enter your zip code into the FREE comparison tool above to view a list of auto insurance quote options that best fit your needs!

For Business Owners

If you are a business owner and find yourself utilizing vehicles that you do not own either personally or through the business, it is crucial that you purchase a non-owner’s liability insurance policy or a hired auto liability insurance policy to protect yourself financially.

You should also consider business car insurance for vehicles owned by your business.

A non-owner’s liability insurance policy covers you when you, as a business owner, are utilizing a vehicle to carry out day to day business activities that you either do not personally own.

A Hired Auto Liability insurance policy will cover an employee and employee’s vehicle when using a personal auto for business purposes.

Having this insurance will protect both you as a business owner and any staff member who has used their vehicle for business purposes from having to pay for damages to persons or property in the event of an accident.

In most cases, a non-owner car insurance policy, a hired car insurance policy, or both can be purchased from the same insurance agent.

However, if your current agency does not carry such a product, you can quickly locate an insurance company to underwrite one of you.

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Auto Insurance Quotes

As with any other policy, the idea is to get the best possible car insurance coverage at the least reasonable cost. The same holds true for non-owner car insurance and hired car insurance policies.

Here are some factors you can expect when paying:

  • The agency’s pricing policies
  • Your age
  • The age of your business
  • Your driving record
  • Your personal or business credit score

In many cases, shopping around will net you the best possible deal on your insurance policy.

The good news is that comparison shopping for car insurance policies no longer requires you to physically drive from agent to agent nor spend long hours on the phone, giving out personal information time and time again.

Make sure, however, that even if you obtain car insurance quotes online from the same company that carries your current insurance policies that you get a quote from your agent.

This will ensure that any discounts you may be entitled to are applied.

Non-Business Owner Coverage

A non-owner car insurance policy can also be useful to private citizens who are not business owners and who regularly utilize a vehicle that is not owned or registered to them for personal use.

Often, these policies are provided to individuals who live in metropolitan areas where mass transportation is the ordinary course of transit.

In some instances, rental agencies will require a borrower to purchase non-owner car insurance policies from the rental company directly rather than accept certification that the driver is insured through a private insurance policy.

Non-owner car liability insurance is also helpful to cover vehicles that are borrowed where insurance may not be carried by the registered owner.

This practice is illegal in almost all states. However, it is often standard practice for the registered owner of either not carry insurance coverage or may have allowed it to lapse inadvertently.

Having a non-owner auto liability insurance policy or hired auto liability insurance policy has many benefits, but the primary goal is to protect the driver of the vehicle from having to pay for damages caused by accident personally.

Looking for liability car insurance? Enter your zip code below to receive car insurance quotes for FREE!