Like most insurance policies, there’s no set answer to this question. Insurance premiums depend upon liability factors such as claim history, revenues, exposure to risk, and much
more—non-owned automobile insurance is no exception. In some cases insurance companies will include non-owned automobile insurance
coverage as a part of their commercial general liability package without additional charges. However there are insurance companies that will either charge increased premiums to add this coverage or exclude it completely if the company has an increased non-owned automobile liability exposure (eg. A restaurant where the employees deliver food using their own vehicles).