Non-Owned & Hired Coverage Provisions
Non-Owned and Hired Auto Plans should be a vital part of your insurance protection package. This coverage can protect the organization when someone is using a vehicle which is not owned by the organization, whether volunteered, leased, or rented, and is using it in the interest of the organization. For example, someone uses their own auto to pick up supplies, or you rent a vehicle to haul some things or to transport people. This leads to an important side issue: since 15 passenger vans are known to be unsafe, allowing your organization to use them puts the organizational officers, employees and leaders in danger of possible litigation should an accident occur. On August 3, 2004, Ford Motor Company and Enterprise Rent-A-Car Company were sued for this very issue.