What is employers non ownership auto liability insurance?

Answer 1

An employer's non-owner is usually an endorsement to a commercial auto or commercial general liability policy that is actually called hired and non-owned coverage. I always recommend this endorsement to my commercial clients because it is very inexpensive and provides coverage to the employer in cases where an employer has to drive to the bank or post office or similar errands. If an accident occurs the endorsement provides coverage for the employer only. It does not provide coverage to the employee who is still required to carry their own insurance. it provides secondary coverage only.