Owned, Hired and Non-Owned Auto Insurance

Our Hired & Non-Owned Auto program was designed specifically to provide auto liability and excess liability insurance coverage to pizza and food delivery, couriers, visiting nurses, home health care services and contractors. The program is underwritten by a national Non-admitted carrier.

Contact Us Today!

info@norman-spencer.com
888.460.9478

Visit http://norman-spencer.com/programs/specialty/hired-non-owned-auto for more information.

Target Risks

Food Delivery

• Pizza delivery
• Fast Food delivery
• Restaurants delivering their own food
• Food couriers (Services delivering food from multiple restaurants)
• Bakeries
• Candy Bouquet delivery

Courier Services

• Route based courier services (Auto parts stores, document delivery etc)
• Bank couriers
• Newspaper drop box/Magazine stand delivery
• Florists

Home Health Care

• Home health care services (Hospice care, Visiting nurses, Well check services etc)
• Minimum policy premiums start at $2,500.

Miscellaneous Hired & Non-owned exposures

• Dry cleaning delivery
• Incidental exposures
• Minimum policy premiums start at $2,500.

Limits available

• $100,000 to $5,000,000

We can write umbrellas and excess coverage over other H&NOA carriers

Contractors (Non-owned auto only)

• Contractors whose employees or sub contractors drive their own vehicles to job sites
• Minimum policy premiums start at $2,500.
• Limits available: $100,000 to $1,000,000

States Available

• All states except CT & OK

Carrier is A.M. Best rated "A IX"

Low deductibles or SIR's available

Requirements to Quote

• Food Delivery Application for Excess Commercial Auto Liability (CAAS01170312)
• Three years currently valued Hired & Non-Owned auto loss runs. If no prior insurance, a no-known loss letter on the Insured's letterhead stating no prior coverage, and no losses.
• If owned auto coverage is needed, we will have to be excess of a primary policy in the name of the Insured.

Requirements to Bind

• Signed and Dated:  Food Delivery Application for Excess Commercial Auto Liability (CAAS01170312)
• Signed and Dated: Special Restrictions for the Operation of Automobiles (CAAS01110412) if applicable.
• Signed and Dated: Additional Self-Insured Retention Provisions (CA AS 0295) if policy is excess of a SIR.
• Copy of underlying Declarations page or binder if policy is excess of a primary policy (Must show effective date, Named Insured, limits and type of coverage).
• Tax/Fee Acknowledgment (if risk is outside California); D-1 if risk is in California.

Contact Us Today!

info@norman-spencer.com
888.460.9478

Visit http://norman-spencer.com/programs/specialty/hired-non-owned-auto for more information.

In California: Norman-Spencer Insurance Agency License #0B64551