Association Owns Vehicles
The purpose of this coverage is to protect the association from liability for the operation of motor vehicles. The policy includes liability coverage for protection against third party claims arising from alleged bodily injury or property damage to members of the public. Coverage may also be provided for medical payments, collision, comprehensive perils and hired and non-owned autos.
Hired and Non-Owned Auto (the association does not own any vehicles)
The purpose of this coverage is to protect the association from liability for the use of rented or loaned automobiles used by your association. This coverage can usually be added to the Association’s General Liability policy. Coverage applies if an employee, director, or volunteer using his/her own car or a rented vehicle on an errand for your association is in an accident which results in damage exceeding their personal auto limit.
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