If your business relies on rented vehicles or employees who sometimes use their own cars for work, you’ve probably wondered what happens if one of them gets into an accident. That’s exactly the gap that Hired and Non-Owned Auto Insurance fills — and The Hartford is one of the more well-known providers offering this coverage. Let’s walk through what this policy actually does, where The Hartford stands out, and where you need to watch out.
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What is hired and non-owned auto insurance, anyway?
Before we get into The Hartford specifically, it helps to understand what this coverage does.
“Hired and non-owned auto” is actually two coverages bundled together:
- Hired auto covers vehicles your business rents, leases, or borrows for work purposes — think rental cars on business trips or a rented truck to move inventory.
- Non-owned auto covers vehicles your employees own personally but drive for work — like an assistant using her own car to run a business errand or a sales rep driving to a client meeting.
Your standard commercial auto policy only covers vehicles the business owns. The moment an employee hops in their personal car on company business, or you rent a van for a trade show, you’ve got a coverage gap. That’s what this policy plugs.
How the coverage actually works (secondary basis)
One thing a lot of business owners miss: hired and non-owned auto coverage typically pays on a secondary basis. That means if an employee causes an accident in their personal car, their own personal auto insurance pays first. Your business policy only steps in if the personal coverage runs out or isn’t enough.
Here’s a real-world example that makes this click:
An employee drives to the post office to drop off an urgent client package. On the way, she rear-ends another car and totals it. The other driver sues. The employee’s personal auto policy covers up to $40,000 in property damage — but the totaled car is worth $100,000. Your hired and non-owned auto policy covers the remaining $60,000, protecting your business from a $60,000 judgment.
This secondary structure means you’re not replacing the employee’s personal insurance — you’re providing a backstop when it’s not enough. Most policies carry liability limits up to $1,000,000, which is the industry standard for this type of coverage.
Who actually needs this coverage?
Not every business needs it urgently, but if any of these sound familiar, you probably do:
- Employees regularly rent cars for business travel
- Staff run work errands in their personal vehicles
- Sales reps drive to client meetings in their own cars
- Your company sponsors events where employees drive themselves in personal vehicles
- You rent trucks or vans periodically to move equipment or inventory
Small and mid-sized businesses are especially exposed here. A single lawsuit stemming from a serious accident can easily exceed $500,000 once you factor in medical costs, property damage, and legal fees. Without this coverage, that bill lands on the business directly.
The Hartford hired and non-owned auto insurance — pros and cons
Overall rating: 4.9 / 5
The Hartford scores well across customer satisfaction surveys, with an overall rating of 4.9 out of 5. That’s a reflection of their claims handling, policy management, and the depth of coverage options they offer commercial clients.
Financial strength rating: A- (Excellent)
A.M. Best rates The Hartford at A- (Excellent), which means they have the financial reserves to pay claims reliably. For a business insurance policy, this matters a lot — you don’t want to find out your insurer can’t cut the check when you need it most.
Excludes personal vehicle use
The policy specifically excludes coverage for personal use of vehicles. This means if an employee uses a hired or non-owned vehicle for personal errands or non-business activities, those incidents won’t be covered. Businesses need to ensure employees understand this limitation to avoid coverage gaps.
No coverage for employees’ personal autos
Similarly, The Hartford’s policy does not cover employees’ personal vehicles when used for business purposes. If your employees use their own cars for work, you’ll need to look into separate coverage options or ensure they have adequate personal auto insurance that covers business use.
Personal vehicle use is excluded
Coverage only applies when a vehicle is being used for business purposes. If an employee takes a detour for personal errands — even in a rental car the company booked — that incident likely won’t be covered. It’s worth communicating this clearly to your team.
Employees’ personal autos aren’t covered for non-business use
Similarly, if an employee’s personal vehicle causes an accident while they’re off the clock, your business policy won’t help. This is by design — it’s not a replacement for personal auto insurance — but it can create confusion when employees don’t fully understand where coverage begins and ends.
Deductibles apply to physical damage
The physical damage benefit comes with deductibles, meaning your business pays out of pocket up to a set amount before the policy covers the rest. Factor this into your cost analysis when weighing whether physical damage coverage is worth adding.
Limited coverage for mobile equipment
If your business uses specialized machinery or mobile equipment, this policy may not fully protect those assets. Companies that depend heavily on specialized vehicles should look carefully at this gap and consider separate equipment coverage.
Rental auto coverage restrictions apply
There are some restrictions on how rental auto coverage works under this policy. The specifics can vary by endorsement, so it’s worth getting clarity from The Hartford directly on what’s included and what isn’t before you assume you’re covered.
Key exclusions to know
Beyond the items above, here are exclusions that apply across most hired and non-owned auto policies, including The Hartford’s:
- Punitive or exemplary damages
- Accidents involving a vehicle used for purposes unrelated to your business
- Property damage to goods your employee was transporting or had in their care
- Injuries to the at-fault employee or their family members
- Any incident involving fraud
Covers both hired and non-owned vehicles
The policy handles both sides of the equation: vehicles you rent or lease for business, and vehicles employees own but drive for work. That combination is important because most business vehicle incidents fall into one of these two categories.
Physical damage coverage is available
Some policies only cover liability (what you owe the other party). The Hartford also offers physical damage coverage, which can reimburse you for repairs or replacement on a rented vehicle if it’s damaged in an accident. This is especially useful if your business frequently rents vehicles and wants to skip the expensive rental counter insurance.
Excess liability protection
If a claim exceeds your primary coverage limits, The Hartford’s excess liability protection kicks in. For businesses with significant assets or frequent travel, this extra buffer can be the difference between a manageable claim and a company-threatening one.
Legal defense cost coverage
Legal defense costs can quickly add up in the event of a lawsuit. The Hartford’s policy includes coverage for legal defense expenses, helping your business manage the financial burden of legal proceedings related to auto incidents. This benefit is a significant advantage for companies wanting comprehensive protection.
Worldwide coverage for business travel
Employees traveling internationally for work? The Hartford extends coverage to hired and non-owned vehicles used abroad. That’s a meaningful benefit for companies with global operations or frequent international travel.
Legal defense costs included
Lawsuits are expensive even when you win. The Hartford includes legal defense cost coverage, which helps pay attorney fees, court costs, and related expenses when your business is named in a lawsuit stemming from a covered auto incident. Legal costs alone can run tens of thousands of dollars before a case ever reaches a verdict.
What does hired and non-owned auto insurance actually cover?
Here’s a quick reference table to make the coverage clear:
| Coverage type | What it pays for | Notes |
|---|---|---|
| Third-party bodily injury | Medical bills, lost wages for the injured party | Liability only; employee’s own injuries aren’t covered |
| Third-party property damage | Repair or replacement of the other party’s vehicle or property | Up to policy limit (typically $1M) |
| Legal defense costs | Attorney fees, court costs, settlements | Even if the suit is groundless |
| Physical damage (optional) | Repairs to a hired/rented vehicle | Deductible applies |
| Excess liability | Coverage above primary policy limits | Activates after primary coverage is exhausted |
How much does hired and non-owned auto insurance cost?
Pricing varies quite a bit depending on your business, but the main factors insurers look at include:
- How many employees drive hired or non-owned vehicles
- How frequently those employees are behind the wheel on business
- The age and driving record profile of your workforce
- How often the company rents vehicles, and at what cost
- Average miles driven for business purposes
- Whether you want physical damage coverage added on
A small business where employees occasionally rent cars for travel might pay a few hundred dollars a year for this coverage as an endorsement on an existing policy. A larger company with frequent travel or higher-risk driving activity will pay more. The most cost-effective approach is typically adding it as an endorsement to a general liability or commercial auto policy rather than buying it as a standalone product.
The Hartford hired and non-owned auto insurance payouts
Does The Hartford pay out claims?
Yes — their financial strength rating and customer reviews both point to a company that honors valid claims. A.M. Best’s A- rating isn’t just a marketing badge; it reflects real reserve levels and payout capacity.
How fast are payouts?
Straightforward claims tend to move relatively quickly. Complex claims — especially those involving lawsuits — take longer by nature. The Hartford uses technology and dedicated claims adjusters to keep things moving, and most policyholders report that communication during the process is clear.
What do payout reviews say?
Customer feedback on The Hartford’s claims process leans positive. Common themes in reviews include professional handling, responsive communication, and fair settlements. The complaints that do exist typically involve claim denials where coverage didn’t apply (often because the incident was personal use, not business use) or disputes over damage valuation.
Does The Hartford Hired and Non-Owned Auto Insurance pay out
The Hartford is known for honoring its claims and providing payouts when valid claims are filed. Their strong financial rating supports their ability to meet these obligations. Customers generally report that The Hartford pays out fairly and in accordance with policy terms, which is a key factor in their high overall rating.
The Hartford reviews complaints
Like any large insurer, The Hartford receives complaints, primarily about claim denials, premium hikes, or policy misunderstandings. However, the volume of complaints is relatively low compared to the size of their customer base, and many issues are resolved satisfactorily.
The Hartford customer complaints and satisfaction
Customer satisfaction surveys indicate that most policyholders are happy with The Hartford’s service, especially regarding claims support and policy management. The company’s commitment to customer-centric service helps maintain high satisfaction levels.
The Hartford designs their hired and non-owned auto policies to be flexible for different business sizes and risk profiles. Core features typically include:
- Liability coverage for bodily injury and property damage to third parties
- Physical damage coverage (optional, with deductible)
- Excess liability options for businesses with higher risk exposure
- Worldwide coverage for international business travel
- Legal defense cost inclusion
You can customize coverage limits based on your business’s risk exposure. A small retail business with occasional employee travel has very different needs than a consulting firm with reps driving to client sites daily — and The Hartford’s structure accommodates both.
Riders and endorsements available
Riders let you fill in specific gaps:
- Mobile equipment coverage — for businesses using specialized vehicles or machinery
- Rental reimbursement — subject to policy restrictions
- Expanded liability limits — for businesses that want coverage beyond the standard $1M ceiling
Which riders make sense for you depends on your business operations. If you’re unsure, a quick conversation with a Hartford representative or a licensed commercial insurance broker can help you figure out what you actually need.
Taking Action
If you’re considering The Hartford for your Hired and Non-Owned Auto Insurance needs, it’s essential to weigh the pros and cons carefully. With a strong overall rating and solid financial backing, The Hartford presents a reliable option for businesses looking to protect their non-owned vehicles. However, be mindful of the exclusions and limitations that could affect your coverage. Take the time to assess your specific needs, and don’t hesitate to reach out to The Hartford for personalized assistance and quotes tailored to your business.
FAQ’s About The Hartford Hired and Non-Owned Auto Insurance Pros & Cons
Is The Hartford Life reliable?
The Hartford is known for its reliability, backed by strong financial ratings and positive customer feedback. Their commitment to honoring claims and providing quality service makes them a trustworthy choice for insurance.
Who is the most trustworthy Hired and Non-Owned Auto Insurance company?
While trustworthiness can vary based on individual experiences, The Hartford consistently ranks high in customer satisfaction and financial stability, making it one of the most trusted providers in the Hired and Non-Owned Auto Insurance market.
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About the author
Sa El
Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.
What’s the Catch with The Hartford Hired and Non-Owned Auto Insurance
While The Hartford’s Hired and Non-Owned Auto Insurance offers robust coverage, there are some catches and limitations to be aware of. The policy excludes personal vehicle use and does not cover employees’ personal autos used for business, which can leave gaps if not addressed properly.
Deductibles apply to physical damage claims, meaning your business will have some out-of-pocket expenses in the event of vehicle damage. Additionally, coverage for mobile equipment is limited, and rental auto coverage comes with restrictions that may not suit all business needs.
Understanding these limitations upfront is crucial to avoid surprises during a claim. Businesses should carefully review policy terms and consider supplemental coverage if necessary to ensure comprehensive protection.
How The Hartford’s Customer Experience Stacks Up
The Hartford is known for delivering a positive customer experience, with accessible support channels and knowledgeable representatives. Their customer service includes phone support, online contact forms, and resources to help policyholders manage their coverage and claims efficiently.
Many customers report satisfaction with the claims process, noting clear communication and timely resolutions. The Hartford also invests in technology to streamline customer interactions, including mobile-friendly platforms and online account management tools.
However, as with any insurer, experiences can vary. Some customers have expressed frustration with premium increases or claim denials, but these instances are relatively rare compared to the overall positive feedback.
Is The Hartford trustworthy?
The Hartford is widely regarded as a reputable carrier, with strong financial backing and a long track record of serving both individuals and businesses across the country.
Ratings breakdown
| Rating source | Score / Status |
|---|---|
| A.M. Best financial strength | A- (Excellent) |
| Overall customer satisfaction | 4.9 / 5 |
| BBB accreditation | Accredited; strong complaint resolution track record |
Google reviews
Google reviews for The Hartford’s business insurance products are generally positive, with customers frequently mentioning helpful customer service reps and smooth claims experiences. The negative reviews tend to cluster around premium increases at renewal and occasional claim disputes — both things you’d find with any large insurer.
BBB ratings
The Better Business Bureau gives The Hartford solid marks with their accreditation status and a good history of resolving complaints. If you do have an issue that’s not getting resolved through normal channels, the BBB complaint process is one avenue to escalate.
Reddit reviews
Reddit threads about The Hartford are mixed in the way most insurer discussions are — some people have had seamless experiences, others share frustrating stories about specific claim denials. The most common criticism involves misunderstandings about what’s covered, which reinforces the importance of reading your policy carefully (especially the exclusions section).
Volume of complaints relative to size
The Hartford is a very large insurer. Their raw complaint count looks bigger than smaller competitors simply because they have more policyholders. When you normalize complaints against their market share, the picture looks considerably better than a raw number might suggest.
Who owns The Hartford?
The Hartford Hired and Non-Owned Auto Insurance is underwritten by The Hartford Financial Services Group, Inc., a publicly traded company on the New York Stock Exchange (ticker: HIG). Founded in 1810, they’re one of the oldest insurers in the country. Their commercial insurance division — which includes hired and non-owned auto — serves businesses of all sizes across the U.S.
As a publicly traded company, The Hartford is subject to SEC oversight, which adds a layer of financial transparency and accountability that privately held insurers don’t face.
How to file a claim with The Hartford
The claims process is designed to be straightforward:
- Online: Start a claim at The Hartford’s website using your policy details
- Phone: Call their claims line directly for immediate support
- Documentation to have ready: Police report (if applicable), photos of the damage, contact information for any witnesses, and details about the vehicle involved
A claims adjuster will review your submission, assess the damages, and work through the payout based on your policy terms. For hired and non-owned auto claims specifically, be prepared to document that the vehicle was being used for business purposes at the time of the incident — that’s the key trigger for coverage.
How to contact The Hartford
Customer Service Phone Number: 1 (866) 467-8730
You can reach their team by phone for policy questions, claims support, or general help. They also offer a contact form on their website for non-urgent inquiries and online account management for existing policyholders.
Customer Service Phone Number: 1 (866) 467-8730
If you need assistance with your Hired and Non-Owned Auto Insurance policy, The Hartford offers multiple ways to get in touch. The primary customer service phone number is 1 (866) 467-8730, where you can speak directly with a representative for support.
Additionally, The Hartford provides a contact form on their website for inquiries, claims submissions, and other service requests. Their customer support team is responsive and ready to help with policy questions, claims guidance, and general information.
THE SIMPLY INSURANCE WAY
State availability
The Hartford’s hired and non-owned auto coverage is available across all 50 states, though specific policy terms and endorsements may vary by state due to local regulations. If you’re in a state with specific commercial auto requirements, it’s worth confirming the exact coverage structure available in your area when you get a quote.
What’s the catch?
No policy is perfect. Here’s the honest summary of where you need to be careful with The Hartford’s hired and non-owned auto coverage:
- Business use only — one personal errand and you’re potentially uncovered for that incident
- Secondary coverage structure — your employees still need adequate personal auto insurance; this isn’t a substitute
- Deductibles on physical damage — plan for out-of-pocket costs if a rented vehicle is damaged
- Mobile equipment gaps — if your business relies on specialty vehicles, review this carefully
- Rental restrictions — understand exactly what’s covered before declining rental counter insurance on every trip
The solution to most of these is the same: read the policy, ask questions upfront, and make sure your employees understand how the coverage works and what it doesn’t cover.
FAQs about The Hartford hired and non-owned auto insurance
Is The Hartford financially reliable?
Yes. Their A- (Excellent) rating from A.M. Best confirms they have the financial strength to pay claims. They’ve been in business since 1810 and have the reserves to back their policies.
What’s the difference between hired and non-owned auto?
Hired auto covers vehicles you rent, lease, or borrow for business. Non-owned auto covers vehicles employees personally own but use for work. Most policies bundle them together because the exposures are similar.
Does this replace my employees’ personal auto insurance?
No. This coverage works on a secondary basis — personal auto pays first, and the business policy fills the gap if personal coverage isn’t enough. Employees still need their own auto insurance.
Can I add this as an endorsement to an existing policy?
Yes, and that’s typically the most cost-effective approach. Hired and non-owned auto is commonly added to a general liability or commercial auto policy rather than purchased as a standalone product.
What happens if the accident happens during a personal errand?
Coverage doesn’t apply. The policy only activates when a hired or non-owned vehicle is being used for business purposes. Personal use — even a quick stop on the way to a business task — can create a coverage dispute.
Who is the most trustworthy hired and non-owned auto insurance company?
The Hartford consistently scores well on financial strength, customer satisfaction, and claims handling. That said, the “best” insurer depends on your business size, industry, and specific coverage needs. It’s worth comparing a few quotes to see what terms and pricing look like across providers.