Auto Liability insurance protects against bodily injury and property damage caused by vehicles used for business purposes.

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This video explains how auto liability works, what types of vehicles may be covered, and why hired and non-owned autocoverage is often required, even if a company doesn’t own vehicles directly. This policy type commonly appears during certificate of insurance (COI) reviewand is often tied to contract compliance and tracking requirements.

Why this matters: Business auto exposure exists even when an organization does not own vehicles directly.

Contracts frequently require hired and non-owned auto coverage, and overlooking it is a common cause of COI review failure. Understanding this policy helps ensure accurate COI collection and tracking against contract requirements.