Hired and Non-Owned Automobile Liability

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Real-Life Claim Scenario: The Kennedy High Cheerleading Booster Club rented a school bus to transport its team to the state finals. On the way to the competition, an overly worn tire blew out causing the bus to roll over. Five cheerleaders were thrown from their seats and suffered life threatening injuries. Parents of the injured girls filed a class action suit against the owner of the bus company and the Booster Club for $1,728,210. The charter bus company only had $1 million dollars of liability protection. Fortunately, the Booster Club had also purchased a policy with limits of $1 million and it covered the remaining judgment of $728,210.

Estimated cost with Hired and Non-Owned Automobile Liability: $100
Estimated cost with NO Hired and Non-Owned Automobile Liability: $728,210

A Smart Solution:
RVNA Hired and Non-Owned Automobile Liability coverage option

Hired and Non-Owned Automobile Liability Insurance protects the insured against third-party lawsuits arising from the use of automobiles which are not owned or are rented, chartered or hired by the insured, such as a chartered bus. Hired and Non-Owned Automobile Liability coverage is an optional coverage available when purchasing Event Liability Insurance.

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