Automobile Coverage

Automobile insurance provides liability and physical damage coverages for land motor vehicles, trailers, or semi-trailers designed for travel on public roads, not including mobile equipment.

Hired and Non-owned auto liability. Hired auto coverage affords liability coverage for leased (short term), hired, rented or borrowed autos only. This provides protection to the employer against third-party liability claims stemming from an employee's use of a hired/rented vehicle to conduct business. Non-owned auto coverage affords liability coverage for autos that the company does not own, lease, hire, rent or borrow, but are used in connection with the business. This includes autos owned by your employees, partners, or members of their household, but only while used in connection with the business. Please note, that the coverage afforded herein applies only for the benefit of the company, and not the employee, partner, or member of their household. Non-owned liability coverage is excess liability coverage that only protects the company. It is presumed and expected by the insurance company, that the employee has coverage under his/her own auto policy. The employee's auto liability coverage is primary.

Hired Physical Damage Coverage - this provides physical damage coverage (comprehensive and collision) for hired or rented vehicles used in the course of business.

TriNet offers insurance as part of an HR outsourcing arrangement or as a stand-alone offering. For more information about TriNet Insurance Services, please call 1-888-842-6805.