What is a named operator policy?

Question: How do I apply for a named operator policy?

Answer: A named operator policy is often also called non-owner car insurance policy. It is for a driver who needs coverage only for his personal operation of a vehicle not owned by him or a family member.

Another reason to get this type of policy is if you need a required liability policy to get an SR-22 filed with the state but don’t own a vehicle. For more on this, read our SR-22 page.

If you need this liability insurance, it only covers the named insured while driving vehicles. In most states, a non-owner policy contains bodily injury liability and property damage liability. Depending on the type of coverage you choose for your policy, the policy will cover you up to the limits you choose.

— Michelle Megna contributed to this story.

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Prachi is an insurance writer with a master’s degree in business administration. She specializes in creating clear, informative content that helps readers understand their insurance options and make smart, confident financial decisions.

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