Staffing Hired & Non-Owned Insurance
Any firm’s automobile liability exposure increases when employees use their own vehicles for business purposes on behalf of their employer. Staffing firms, however, have an additional exposure that other industries do not have: employees driving the vehicles of the staffing firm’s clients. Contractually, most clients require the staffing firm to be responsible for a client’s liability as a result of the staffing firm’s employee being involved in an accident while using the client’s vehicle. Not all staffing firm Hired and Non-Owned Auto policies provide coverage for client’s liability when a staffing firm’s employee is driving the client’s vehicle. You need to be sure your policy includes this coverage.
World Wide’s Hired & Non-Owned Auto Liability Insurance for Staffing Industry
Our Hired and Non-Owned Auto Liability policy covers the staffing firm and the staffing firm’s client for damage to the property of others or to bodily injury to others caused by a staffing firm’s employee when driving a client’s vehicle. Additionally, our policy will also protect the “named insured” staffing firm when its employees are driving their own vehicles on behalf of staffing firm business. Damage to any vehicle a temp is driving is not covered by a Hired and Non-Owned Auto policy.
Another concern involves employees renting a vehicle (i.e. from a Hertz, Avis, etc.). This is called a “hired car” under the Hired and Non-Owned Auto policy. You can choose to obtain insurance from the rental car companies to cover damage to the rental car or you can have Hired Car Physical Damage coverage endorsed on to your World Wide policy. This will cover damage to the rented vehicle your employees are driving while on company business. Hired Car Physical Damage coverage is only provided when you secure a specific endorsement.
A staffing firm’s employee driving a vehicle on company business if involved in an automobile accident, the bodily injury done to others, or property of others including other vehicles (not being driven by the staffing firm employees) is automatically covered by the Hired and Non-Owned Auto policy available through World Wide.
Highlights:
- Individual Policy with separate limits (no aggregate limit)
- Occurrence form
- Primary noncontributory clause available
- Blanket additional insured
- Hired auto physical damage coverage is available
Submission Requirements:
