Does hired and non-owned auto cover rental cars?

“Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households.”

“Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”

“For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance.”

“Regardless of the provisions of Paragraph a. above, this Coverage Form's Covered Autos Liability Coverage is primary for any liability assumed under an "insured contract".”

“That part of any contract or agreement entered into, as part of your business, pertaining to the rental or lease, by you or any of your "employees", of any "auto". However, such contract or agreement shall not be considered an "insured contract" to the extent that it obligates you or any of your "employees" to pay for "property damage" to any "auto" rented or leased by you or any of your "employees".”

“"Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement.”

“For Hired Auto Physical Damage Coverage, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto".”

“"Loss" to any one covered "auto" is the lesser of: (1) The actual cash value of the damaged or stolen property as of the time of the "loss"; or (2) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality.”

“For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or agreement.”

“However, the most we will pay for any expenses for loss of use is $30 per day, to a maximum of $900.”

“Throughout this Policy, the words "you" and "your" refer to the Named Insured shown in the Declarations.”

“We will not pay for "loss" to a covered "auto" due to "diminution in value".”

“Any "auto" you do not own while used with the permission of its owner as a temporary substitute for a covered "auto" you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss"; or e. Destruction.”

“"Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public roads”

“Anywhere else in the world if a covered "auto" of the private passenger type is leased, hired, rented or borrowed without a driver for a period of 30 days or less, provided that the "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America”

“An "auto" that is leased or rented to you without a driver, under a written agreement for a continuous period of at least six months that requires you to provide primary insurance covering such "auto", will be considered a covered "auto" you own.”

“"property damage" arising out of the maintenance or use of a "hired auto" by you or your "employees" in the course of your business.”

“"Property damage" to: (1) Property owned or being transported by, or rented or loaned to the insured; or (2) Property in the care, custody or control of the insured.”

“Physical damage to the hired or non-owned vehicle isn't covered. You can extend protection with physical damage coverages, like comprehensive and collision insurance.”

“For Hired Auto Physical Damage Coverage, any covered "auto" hired or rented by your "employee" under a contract in an "employee's" name, with your permission, while performing duties related to the conduct of your business is deemed to be a covered "auto" you own.”

“We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto".”

“Only those "autos" you lease, hire, rent or borrow. This does not include any "private passenger type" "auto" you lease, hire, rent or borrow from any member of your household”

“For Hired Auto Physical Damage Coverage, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto".”

“The lessor of a covered "auto" that is not a "trailer" or any "employee", agent or driver of the lessor while the "auto" is leased to you under a written agreement, but only when the leased "auto" is used in your business as a "motor carrier" for hire.”

“For-hire (In interstate or foreign commerce, with a gross vehicle weight rating of 10,001 or more pounds) Property (nonhazardous) $750,000”

“Blanket coverage – Any Auto or Hired Autos • Minimum $1,000,000 Combined Single Limit (CSL) • Ryder endorsed as Additional Insured”

“Blanket hired physical damage coverage required • If not ACV then Minimum Physical Damage limit: Trucks: $120,000 | Tractors: $150,000”

“Acceptable Any Auto, Hired Auto (Liability); Hired Physical Damage Unacceptable Scheduled Autos; Non-Trucking liability”

“Ryder Truck Rental, Inc. and Ryder Truck Rental LT & Affiliates must be endorsed as Additional Insured and Loss Payee for all vehicles rented, leased, or provided as a substitute.”

“If the Truck is rented for commercial (non-personal use) purposes, you will be required to select one of the liability coverages below at Paragraphs 9.2 and 9.3 or provide a certificate of insurance pursuant to Paragraph 10 below.”

““Truck” means the vehicle assigned to you and any replacement vehicle provided to you pursuant to this Agreement.”

“If BLI is accepted and added to the Rental Agreement, Budget Truck Rental LLC will extend its coverage to take primary position up to 100/300/25 on third-party claims. Your own liability insurance will not be called on to contribute unless, and until, the 100/300/25 has been exhausted.”

“If you do not accept Physical Damage Waiver (“PDW”), Limited Damage Waiver (“LDW”) or Commercial Damage Waiver (“CDW”) at the time of rental and pay the PDW, LDW or CDW fee as described in Paragraph 7, you are responsible for and will pay us for all loss or damage to the Truck whether or not you are at fault from any cause”

“You are also responsible for and will pay us as part of our loss for the following: any diminution in value of the Truck that remains after repair; actual towing, storage, impound and other related fees; Loss of Use (“LOU”), which is defined as the applicable daily rate multiplied by the number of days taken to repair or replace the vehicle, not to exceed 30 days”

“Damage Waiver is not insurance. The purchase of DW is optional and not required to rent a vehicle. You may purchase an optional DW for an additional fee. If you purchase a DW we agree, subject to the actions that invalidate the DW listed on the rental agreement, to contractually waive your responsibility for all or part of the cost of damage to, loss or theft of, the vehicle.”

“A DW does not apply to damage occurring in Mexico.”

“Certain vehicles are not covered by this benefit, they consist of: expensive, exotic, and antique cars; cargo vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.”

“Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.”

“Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility.”

“Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to any other driver’s car or the injury of anyone or anything is not covered.”

“When traveling on business, a personal auto policy will generally not apply, so check with your employer for guidance.”

“Read the rental agreement to see if it contains language regarding administrative fees and loss of use you may be obligated to pay.”

“Hired auto physical damage coverages are also available and cover damage done to the hired automobile itself.”

“Hired and non-owned auto coverages provide liability coverage for organizations when employees or volunteers use their personal vehicles for your business purposes, or when the organization rents vehicles.”

“Commercial auto policies don’t automatically cover vehicles you don't own, even when you use those vehicles for business.”