Commercial Auto - Extension to Rentals?

[WolfpackAgent]

We have a customer who is starting a business and will be renting a car on a regular basis. My understanding is that Hired/Non-Owned auto would extend to the car itself (liability and if purchased physical damage) but I presume the diminished value and loss of use charges would still apply.

Is there a coverage or endorsement you know of for this case or does the customer need to buy the CDW if they want coverage against these things?

 

[INSUREGEEK]

I've seen coverage forms that try to cover it, but the limits were only like $750 per occurrence for "financial loss".

I'm recommending to purchase the CDW.

 

[InsCommentary]

Buy the LDW and don't violate the rental agreement. If there is going to be a regular rental, the customer might try to negotiate a discounted rate that includes the LDW.