Commercial Auto or Hired & Non-Owned Auto Insurance
for Allied Health, Fitness, Mental Health and Medical Professionals

Some healthcare professionals, like home health aides, might benefit from adding a Commercial Auto Insurance or Hired & Non-Owned Auto Insurance policy to their small business insurance plan. Really, if you ever drive a vehicle for work purposes, you should consider how these policies can be of value to you.

Sometimes healthcare professionals need to travel for work, whether to assist people in their homes, as a physical therapist or home health aide might, or to travel between multiple offices or hospitals. And of course, there are always work-related errands to run: cashing checks, picking up office supplies, going to a business lunch, or visiting a tax specialist.

Healthcare professionals understand more than most the dangers of the road. A National Highway Traffic Safety Administration (NHTSA) report [PDF] New browser window icon. found that almost 2.4 million people ended up in hospitals with traffic-crash related injuries in 2012. Another 33,561 died in traffic crashes.

Most small businesses wouldn't be able to bear the cost of a traffic accident — particularly if it caused injuries and/or spurred a lawsuit. The NHTA estimates that on-the-job traffic crashes cost business owner about $128,178 per injury.

We don't like thinking that our driving could result in a traffic crash that hurts ourselves or others. But it pays to be prepared. Read on to learn whether a Commercial Auto Insurance policy or a Hired & Non-Owned Auto policy would be right for your healthcare business.

Commercial Auto vs. HNOA

Healthcare Professionals: Commercial Auto Insurance vs. Hired & Non-Owned Auto Insurance

Not all healthcare professionals require Commercial Auto Insurance and not all of them need Hired & Non-Owned Auto. Some practices benefit from both. Read on to learn which type of coverage best protects the way you do business.

Commercial Auto Insurance for Healthcare Professionals

Commercial Auto Insurance is for healthcare professionals who drive vehicles they own for work purposes. See if one of the following scenarios describes how you drive:

  • You drive a vehicle exclusively for work. This might be a van that you use exclusively to drive to patients' houses or to transport patients.
  • You lend vehicles to employees. Perhaps you own a home health aide business and lend vehicles to your employees. You'll need insurance for these vehicles because it's illegal for business owners to pass the burden of Auto Insurance to employees who drive company-owned vehicles.
  • You drive your personal vehicle for work. This is an important one, because many healthcare professionals do business with personal vehicles when buying a commercial vehicle doesn't make financial sense. But be aware that Personal Auto Insurance policies usually exclude work-related accidents from coverage. A Commercial Auto Insurance policy is necessary to keep you protected, even as you drive for work.

So Commercial Auto Insurance is for owned vehicles — but what if your healthcare business uses non-owned vehicles?

Hired & Non-Owned Auto Insurance for Healthcare Professionals

Hired & Non-Owned Auto Insurance is for healthcare professionals who use vehicles that the business does not own. For example, you may need this type of coverage if your business…

  • Rents vehicles. Such as when you need to fly to another city to attend a conference.
  • Has employees who drive personal vehicles for work. Just as your Personal Auto policy may not protect you for work-related auto accidents, your employees' policies may not protect them. But your coverage can step in when their personal protection can't get the job done.
  • You use a car sharing service. This might be more common in larger cities — but it's a type of hired vehicle that should not be overlooked.

Some small-business owners love cost-effective car-sharing services. Most of the time you only pay for what you need and rates often include key expenses like gasoline and Auto Insurance.

But for worst-case scenario accidents (the kind you should consider no matter what type of insurance you are considering), that "free" Auto Insurance won't get you very far. According to a New York Times article New browser window icon., most car-sharing services cap the free insurance benefits — usually at $300,000 or less per accident, no matter how many people or vehicles are involved.

That may sound like a good deal, but it won't go very far if your business is responsible for a multi-injury accident. On top of all this, the car-share Auto Insurance tends to scrimp on your bodily injury coverage — which could spell bad news if you don't have effective health insurance.

Hired & Non-Owned Auto Insurance tends to be affordable. Your insurance provider may even let you bundle a Hired & Non-Owned Auto policy with your General Liability Insurance. And don't forget: when you have this coverage, you won't have to pay extra insurance fees when you rent vehicles for work!

How They Protect You

How Does Commercial Auto or Hired & Non-Owned Auto Insurance Protect Healthcare Professionals?

Commercial Auto or Hired & Non-Owned Auto Insurance protects healthcare professionals by helping them pay for the costs associated with motor vehicle incidents. And, trust us, there are plenty of expenses. Your coverage can help compensate you for:

  • Traffic accident damage. Both your vehicle and the vehicles of others can be covered under your policy.
  • Other collisions. Car-on-car accidents are not the only kind. Sometimes animals run out into the road. And sometimes black ice sends us spinning into a guardrail.
  • Medical bills. In the event that you or another party is injured in an auto accident, your coverage can help pay the hospital bills.
  • Legal expenses. If you or one of your employees is the cause of a traffic accident, you may see a legal claim. Your coverage can help pay for legal defense, court fees, judgments, and settlements.
  • Theft and vandalism. Vehicle damage doesn't always involve a collision. Your Auto Insurance can help protect you from the cost of repairing damage done by criminals, too.

When a motor vehicle incident happens to your business, your Commercial Auto or Hired & Non-Owned Auto Insurance steps in to relieve your financial burden — up to your policies stated limits. Without coverage, you'd be left to pick up the pieces on your own.

Also note that if you carry an Umbrella Liability Insurance policy, you can apply those benefits to your Auto Insurance policy, should it hit its limit.

Receive Free Quotes

Healthcare Professionals: Receive Free Commercial Auto Insurance or Hired & Non-Owned Auto Insurance Quotes Today

Are you ready to add a Commercial Auto Insurance or Hired & Non-Owned Auto Insurance policy to your business insurance plan? First you'll need to gather some insurance quotes. You can either contact an insureon agent to help walk you through the process or fill out an online insurance application. Your free quotes will be sent by email.

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