The business rents, hires, leases or borrows it.
Think short-term rental vehicles used by the business or its employees for business purposes. Standard program guidance contemplates rental periods of 30 days or less.
IREU Programs / 01
HNO On-the-Go.
Excess hired and non-owned auto liability designed around businesses that rely on people and personal or short-term vehicles—not a company-owned fleet.
Coverage focusBodily injury & property damage liability
Subject to the policy’s terms, conditions and exclusions.
Coverage positionExcess over underlying insurance
Primary insurance requirements apply.
Coverage 101
Two vehicle relationships. One focused liability framework.
The business does not own it.
Think employee-owned vehicles used in connection with business operations—such as a client visit, bank run, home visit or job-site trip.
Descriptions are simplified for education and do not amend or replace any policy definition. Coverage is determined only by the issued policy and endorsements.
Coverage architecture
Built as an excess layer—not a replacement for primary auto insurance.
Primary / underlying insurance
The applicant must maintain qualifying underlying automobile liability coverage at the required limits.
IREU HNO liability
Responds in excess of applicable underlying insurance, subject to the policy’s attachment, retention and coverage terms.
Scheduled drivers & reporting
Driver schedules, prompt change notices and immediate claim reporting help preserve program integrity.
Underwriting guideposts
Designed for controlled, incidental business driving.
Standard-fit characteristics
- No vehicles owned, financed or long-term leased by the business
- Registered business with an operating history
- Valid U.S. licenses and documented driver screening
- Incidental business use, generally within a 150-mile radius
- Qualifying primary auto coverage and clean loss experience
- Written vehicle-use and safety controls
Accounts needing referral or another solution
- Owned fleet or recurring long-term rentals
- Taxi, rideshare, passenger transport or transport of minors
- Long-haul, high-hazard cargo or time-sensitive delivery
- Material hauling, towing or heavy contractor operations
- Major driver violations or adverse claim patterns
- Business model that really requires primary commercial auto
Submission ready
The right documents make the risk easier to see.
Signed commercial auto applicationIREU supplemental applicationDriver roster and license detailsCurrent MVRs for each driverEvidence of underlying coverageThree years of valued loss runsFinancials when sales-ratedRelevant contracts and controls
60-second screen
Could your business fit?
This quick check is educational—not an underwriting decision.
Complete all four questions.We’ll show whether the account appears aligned or should be referred for review.
Pricing approach
Exposure-led, with a defined floor.
Program materials contemplate per-driver and gross-sales rating approaches. Classification, territory, driver quality, vehicle use and loss experience can all affect price.
Illustrative guideline values only; not a quote, offer, or promise of coverage.