Employers’ non-owned and hired car coverages
Protection to help when vehicles you don’t own are used for your business.
What is employers’ non-owned car liability (ENOL) coverage?
Your employees may use their own vehicles for your business. It could be for daily sales calls or an occasional errand. State Farm® ENOL may help provide coverage to protect your business if your employee is at fault for an accident while using their vehicle and you are sued as the business owner.
What is hired carfootnote 1 coverage?
If vehicles are hired, leased or loaned for short-term use in your business, hired car coverage can be added to extend liability.
Who may want non-owned and hired car coverages?
If your employees drive their personal vehicles for business purposes or you rent or borrow vehicles for business use, you may want to consider non-owned and hired car coverages.
What differentiates ENOL from hired car coverage?
Without sufficient insurance coverage, even a minor incident could have a major impact on your business. ENOL and hired car coverages can help make sure your business has protection.
ENOL
Helps with your legal costs and damages if your employee is using their auto for a business task and accidentally injures someone or damages their property
Hired car coverage on a commercial car policy
Liability and physical damage may be added to an ENOL policy to help provide coverage while vehicles are rented, leased or loaned to your business for short-term use
Hired car coverage on a business policy
Liability coverage may be added to help protect you and your employees
Coverage in action
ENOL: If one of your employees uses their personal car for work and gets into an accident, having ENOL coverage can help protect your business in case you get sued.
Hired car: When your business has a surge in deliveries, you might rent extra vans to keep up. Hired car coverage can help keep your business safe by extending liability coverage to those rented vehicles.
Coverage is limited in some situations
- Employees are responsible for purchasing personal auto coverage for their own vehicles. ENOL is intended to help protect the business.
- Vehicles leased or rented for long-term business use should be insured on a business or commercial auto policy.
- ENOL and hired car coverages and availability may vary by state.
Have questions? Your local State Farm agent can provide more information about how these coverages can work for your business.
Frequently asked questions about ENOL and hired car coverages
The term “non-owned” refers to vehicles used for business that are not owned by the employer. Instead, they are owned or rented by employees.
An employee (or business owner’s) personal auto insurance may not cover the business if their personal car is used for business purposes.
Some personal auto policy contracts exclude business driving, so you may not be covered if an accident occurred while driving a personal vehicle for work.
Non-owned auto coverage protects your business when employees use their personal or rented vehicles for work purposes, while hired auto coverage applies to vehicles rented or leased by the business.
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return to reference 1 Commercial auto policies refer to this as “hired car” coverage. Some business policies provide similar “hired auto” coverage as an added endorsement.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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