Staffing Hired & Non-Owned Insurance 

Staffing firms’ automobile liability exposure increases when employees use their own vehicles for business purposes on behalf of their employer. Moreover, staffing firms, have an additional exposure that other industries do not have employees driving the vehicles of the staffing firm’s clients. Contractually, most client companies require the staffing firm to be responsible for a client’s liability because 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.

PHLY'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 and/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.

Another hired and non-owned auto liability exposure involves employees renting a vehicle (i.e. from Hertz, Avis, etc.). This is referred to as “hired car” under the Hired and Non-Owned Auto policy. You can choose to obtain coverage 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 Philadelphia Insurance Companies’ 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.

Highlights:

  • Individual Policy with separate limits (no aggregate limit)
  • Occurrence form
  • Primary noncontributory clause is available
  • Blanket additional insured is available
  • Hired auto physical damage coverage is available

Submission Requirements:

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