This type of liability provides coverage resulting from the use of automobiles in the business. This coverage can not only provides coverage for owned vehicles but hired and non-owned autos as well.

Types of business autos include a salesperson’s car, logging trucks, tow trucks, contractors’ pickups, snowplows, and delivery vehicles.

Hired autos are rented, not owned by the business. Non-owned autos are not rented but used to perform the duties of the business. An example of a non-owned auto would be an employee using their personally owned auto to run an errand for the business.