When a staffing firm’s employees drive to a job site, visit a client location, or run an errand on behalf of the agency, the firm’s liability can follow them, even if the vehicle does not. As such, hired and non-owned auto insurance is a critical part of employment agency insurance for staffing firms with mobile or on-site workforces.
When temporary employees use personal, client-owned, or rented vehicles for work, hired and non-owned auto insurance helps protect the agency and the client from auto-related claims.
Auto Liability Risks in Staffing Operations
In many staffing scenarios, employees travel to client locations using vehicles the agency does not own. They may drive their own cars to assignments, operate vehicles supplied by the client on-site, or use rented vehicles for business travel. In each case, the staffing firm has an operational stake in what happens on the road.
Personal or client auto policies are not designed to safeguard the staffing agency’s interests. Depending on the policy language and the circumstances of a crash, the agency can still be drawn into a lawsuit following an accident involving a temporary worker who is driving for business purposes. That potential exposure is what makes hired and non-owned auto coverage so crucial in a staffing-focused insurance program.
Traffic crashes also remain a significant source of loss. The National Safety Council (NSC) estimates that 18,720 people died in traffic crashes in the first half of 2025, even though overall fatalities were down 13% compared to the same period in 2024. This data highlights how roadway incidents continue to create serious risk for any organization that has employees driving for work.
Coverage That Safeguards Staffing Firms & Clients
Hired and non-owned auto insurance is designed to respond when employees on work assignments cause bodily injury or property damage while driving vehicles that the staffing firm does not own. It can apply when a temporary worker:
- Drives a personal car on behalf of the staffing agency
- Operates a client-owned vehicle as part of an assignment
- Uses a rented vehicle for staffing-related business
Because the policy is written for the staffing firm, it helps protect the agency even when no vehicles are titled in its name. When endorsed, hired car physical damage coverage can also address damage to rented vehicles, which is essential when staff use rentals to travel to assignments.
This protection supports several key business goals for staffing agencies. It helps them meet client contract requirements for auto liability, reduces the chance that an uninsured or underinsured loss will affect profitability, and supports continuity with clients after an incident.
Helping Agents Deliver Better Coverage Solutions
For insurance agents and brokers, hired and non-owned auto insurance is a practical way to address a common exposure in staffing operations. Positioning this coverage correctly can help demonstrate expertise in the staffing niche and uncover gaps that might otherwise go unnoticed.
When reviewing staffing accounts, use these questions to guide the conversation:
- Does your staffing client’s insurance program include hired and non-owned auto insurance coverage? Verify whether the firm has protection when employees drive vehicles not owned by the agency.
- Are their employees regularly using personal or client vehicles? Identify assignments and roles where driving is part of the job, even if it is just local travel.
- Do client contracts specify auto liability requirements? Compare the agency’s limits and coverage structure to what clients require in their agreements.
- Have you confirmed if they need hired car physical damage coverage? Determine whether employees frequently rent vehicles, and if so, whether the program addresses damage to those rented autos.
Working with World Wide Specialty Programs provides agents with coverage options tailored for the staffing sector. Additionally, we offer underwriting expertise that reflects decades of experience in this niche.
Partner With WWSP To Protect Mobile Staffing Operations
Any staffing firm with a mobile workforce needs to think carefully about auto liability, even if it does not own a fleet. Hired and non-owned auto insurance helps protect agencies from claims that could affect client relationships, contracts, and long-term financial performance.
Partner with World Wide Specialty Programs to help your staffing clients build a comprehensive employment agency insurance program. Contact us to explore how hired and non-owned auto coverage can support your staffing clients’ needs.
FAQ on Employment Agency Insurance
What is hired and non-owned auto insurance coverage?
Hired and non-owned auto insurance provides liability protection when employees cause bodily injury or property damage while driving vehicles the staffing agency does not own. For example, employees might drive personal, client-owned, or rented vehicles for business purposes.
Why do staffing firms need this coverage?
Staffing firms can face liability when employees drive for work in vehicles the agency does not own. Client contracts may also require evidence of coverage to protect all parties if a crash occurs during an assignment.
Does it cover damage to the vehicle itself?
In most cases, hired and non-owned auto insurance focuses on liability to others, not physical damage to the vehicle in use. Hired car physical damage coverage can be added by endorsement for protection of rented vehicles.
How much does hired and non-owned auto insurance cost?
Premiums depend on factors such as the number of drivers, the nature of assignments, driving exposure, and selected limits. Agents can contact World Wide Specialty Programs for pricing specifics.
About World Wide Specialty Programs
For the last 50 years, World Wide Specialty Programs has dedicated itself to providing the optimal products and solutions for the staffing industry. As the only insurance firm to be an ASA commercial liability partner, we are committed to that partnership and are committed to using our knowledge of the industry to provide staffing firms with the best possible coverage. For more information about Staffing Professional Liability Insurance or any other coverage we have available to protect your staffing business, give us a call at (877) 256-0468 to speak with one of our representatives.