You're running a Rugby Clinic, and the Guest Coach is arriving today at the Airport. You ask "Bob the Prop" to pick up the Coach. Bob the Prop drives his own car, and gets in an accident.
Normally, Bob's auto will cover anything if Bob's is at fault, or liable, for damages and bodily injury. But what if the plaintiff wants more.
Hired/Non-Owned protects your Non-Profit, Sports Association, or Clinic as EXCESS cover over Bob's insurance. Ranges from $500 to $1000 extra, but if you rely on volunteers who use their own vehicles, it could save you a boot to the head from a smart lawyer.