Which scenario best fits a 'hired' auto?

• A. A company-owned delivery van used for business
• B. A personal vehicle owned by an employee used for business errands
• C. A vehicle rented to use in business
• D. A vehicle borrowed from a client

Answer: (C)

In a commercial auto policy, a hired auto means a vehicle you rent or hire for business use under a contract, not one you own. A vehicle rented to use in business fits this definition perfectly because it’s obtained through a rental agreement for the company’s operations. The other scenarios aren’t hired autos: a company-owned delivery van is owned by the business, a personal vehicle used for business is typically treated as a non-owned auto (employee’s car used for work), and a vehicle borrowed from a client is also non-owned and not hired under the policy’s terms.