Hired autos
Vehicles the business leases, hires, rents, or borrows for short-term use in the course of business.
- Short-term rentals
- Temporary business travel
- Borrowed vehicles, as defined by the policy
Inter-Related Underwriters
Built for the road between owned and on-the-go.
Specialty hired and non-owned auto liability programs for businesses whose people move—even when the business owns no fleet.
IREU / 01Program focus
HNO ON-THE-GO
Coverage shaped around how work actually moves.
Membership-powered distribution
Disciplined risk selection
Specialized claims workflow
Modern program servicing
The hidden exposure
No fleet does not mean no auto risk.
Employees make bank runs. Teams visit clients. Contractors travel to job sites. Businesses rent vehicles for short-term needs. Every one of those moments can create an auto liability gap.
See how the coverage works↗Non-owned autos
Vehicles the business does not own, including employee-owned vehicles, while they are used in connection with the business.
- Client and home visits
- Incidental errands
- Field and service travel
Underwriting snapshot
Clear starting points. Human judgment where it counts.
IREU combines defined program guardrails with referral paths for accounts that deserve a closer look.
Guideline indicators only. All accounts are subject to complete underwriting, applicable state availability, policy terms, and approval of any exception.
Built for movement
A program lens for modern business.
From professional firms to mobile service teams, IREU focuses on the real-world details behind every trip: who is driving, why they are on the road, and what controls are in place.
Professional services
Consultants, legal, accounting, real estate, marketing and other incidental-use firms.
Home & field services
Home health, property management, maintenance, mobile technicians and service contractors.
Mobile workforces
Staffing, nonprofit and distributed teams with controlled employee driving exposure.
Specialty delivery
Select courier and non-livery delivery risks, subject to enhanced review and primary coverage.
The IREU path
From exposure to informed placement.
A focused, document-led workflow helps brokers and businesses see the risk clearly before coverage is bound.
Start a submission ↗- 01Profile the operation
Business model, vehicle use, geography and contracts.
- 02Validate the drivers
Roster, licenses, MVRs and documented controls.
- 03Map the insurance
Underlying auto coverage, loss runs and requested structure.
- 04Price the exposure
Per-driver or sales-based rating, subject to underwriting.
- 05Bind with clarity
Scheduled drivers, endorsements, reporting duties and service plan.
The alliance advantage
Connected expertise. One focused program.
IREU brings program strategy together with membership-led distribution, managing general agency support, brokerage expertise and risk-retention-group capacity.
IREU
Program architecture+USAIP
Member access+Service partners
Placement & claims support
Program architecture+USAIP
Member access+Service partners
Placement & claims support