COMMERCIAL AUTO INURANCE
Employer's Non-Ownership Coverage (ENOC) covers the named insured's liability for autos not owned by them, such as employees' vehicles, that are used in the named insured's business or personal affairs.
Hired Autos provides for the named insured's liability and physical damage for autos that the named insured leases, hires, rents, or borrows without drivers while operated by the insured or in the custody or control of the insured. This does not include any auto owned by any of the named insured's employees, partners, or members or their household.
This coverage applies to autos that the named insured leases, hires, rents, or borrows for less than 6 months.
Autos hired, loaned, leased or furnished to an insured for 6 months or more are treated as covered autos the insured owns and are listed on the policy.