Hired Non-Owned Auto Insurance applies when an employee is using their personal vehicle for business-related activities.  Regardless of your industry, it is likely employees use vehicles for business purposes, such as client visits, going to the bank, dropping off materials, or picking up supplies.  

However, the most common activity employees use their personal vehicles for is delivery.  This is especially evident in the pizza restaurant space.

If an employee, using their personal vehicle for business purposes, gets in an accident, your business could be held liable.

Hired Non-Owned Auto insurance bridges the gap between Personal Auto, which often has exclusions for when a vehicle is being used for commercial/business purposes, and Commercial Auto which only applies to vehicles owned, leased or rented by the company.

Depending on your coverage, your policy may provide:

  • Legal Cost Reimbursement: If you are sued as a result of an employee getting into an accident, Hired Non-Owned Auto insurance can help cover legal expenses following a claim.
  • Protection for employees of all statuses: Hired Non-Owned Auto policies can provide coverage for all staff, including full-time, part-time and temporary employees.  

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Craig Concklin-1
Craig Concklin

Craig Concklin

Craig Concklin, CIC, a graduate of Denver University and an esteemed insurance professional since 1981 became an owner of Concklin Insurance Agency in 1993. With vision and forward thinking, Craig Concklin has tripled its sales to $22 million. The firm’s sustained investment in state-of-the-art computer systems, integrated accounting and marketing programs, and creation of national insurance programs for various industry groups has made Concklin an industry leader. Craig’s knowledge and stellar reputation in the insurance industry continues to benefit his clients and enhance the presence of Conklin Insurance in the marketplace. He is currently a Pekin Insurance Board Member.


Michael Mormando-1
Michael Mormando

Michael Mormando
Insurance Agent

Michael, originally from New York and a graduate of the University of Denver, enjoyed a long tenure in the hospitality industry as a restaurant owner/operator, prior to joining Concklin Insurance. Michael gained a unique perspective of understanding and appreciating the ongoing difficulties in what today’s economic environment brings to everyday business people. Starting his insurance career, Michael felt his natural customer service talents would work best assisting business owners in managing their insurance programs effectively to ensure proper coverages and very competitive premiums available through Concklin Insurance.


Mike O 2020 website
Michael O'Donnell

Michael O'Donnell
Insurance Agent

Michael O’Donnell joined the Insurance Industry after graduating from Eastern Illinois University with a Finance Degree in 1992 and became a producer at Concklin Insurance Agency in 1995.  Mike specializes in insuring restaurant and Franchise business and has worked with franchisors to establish proper insurance requirements are established for their franchisees. He takes a hands-on approach to insurance and understands his clients’ diverse needs. Mike provides the caring expertise required to review and customize an insurance program that provides his clients with excellent coverage while balancing budgetary concerns.