Cochrane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that helps agents and brokers place auto liability and excess liability for businesses that rely on rented or personally owned vehicles for operations. The program is designed for risks where the client needs liability protection for drivers or hired vehicles they do not own, and it’s structured to complement a driver’s personal insurance or a primary business auto policy.
Ideal Accounts and Appetite
This program fits small to mid-sized businesses that make regular local deliveries or service calls using non-owned vehicles. Typical target classes include:
- Food delivery services
- Auto parts couriers
- Bakeries
- Florists
- Home health care providers and mobile caregivers
You can place single-location businesses or accounts with multiple locations across the eligible states. For example, a home health care agency with nurses or aides who use personal vehicles for client visits can benefit from Hired & Non-Owned liability placed through this program.
Restricted Classes
Underwriting limits this program from accepting certain higher-exposure classes. Ineligible or restricted accounts typically include:
- Realtors and real estate brokerages
- Timed or expedited delivery services (high-frequency, guaranteed-time deliveries)
- Human transportation operations (rideshare, shuttle or taxi services)
- Trucking operations (vehicles beyond light pickups)
- Sales forces and temporary staffing agencies with mobile workforces
Coverage Highlights and Advantages
- Hired & Non-Owned Auto liability limits available up to $7 million
- Excess and umbrella layers available to increase protection
- Flexible structures — standalone program or layered over driver's personal insurance or a primary business policy
- No receipt restrictions on hired vehicle coverage
- Minimum premiums available from approximately $2,430 (varies by limit and structure)
- Low deductibles or Self-Insured Retentions (SIRs) can be accommodated
- Designed to serve both localized accounts and larger regional/national placements within eligible states
Underwriting Notes and Minimum Premiums
This non-admitted program gives underwriters flexibility to structure pricing and terms to match account needs. Minimum premium levels start around $2,430 for lower limits, but final pricing depends on exposure, limits, claims history, and whether coverage will be written as excess over a primary policy or over drivers’ personal auto policies. Provide complete loss runs and details about delivery frequency and driver screening to get accurate terms quickly.
Available States
The program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Cochrane & Company brings regional underwriting expertise across these western and mountain states.
Why Work With Cochrane & Company?
As a Managing General Agency with deep commercial auto experience, Cochrane & Company pairs responsive underwriting with access to multiple carrier partners for hired and non-owned exposures. Agents benefit from tailored program structures, experienced risk selection, and practical placement options when traditional admitted markets are constrained.
Have questions about Hired & Non-Owned Auto Insurance or need help placing a specific account? Please contact us!