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Hired and Non-Owned Auto Coverage (HNOA) protects your business when employees or authorized individuals use vehicles not owned by your company for business purposes. This includes rented, leased, or employee-owned vehicles used to make deliveries, attend meetings, or run errands for work.
If one of these vehicles is involved in an accident that causes bodily injury or property damage, your HNOA policy helps cover legal fees, medical expenses, and third-party damages—expenses that would otherwise fall back on your business.
Even companies that don’t own vehicles face auto-related risks. If an employee uses their personal car to meet a client or pick up supplies, your business can still be held liable for damages caused during that trip. HNOA coverage fills this critical gap, ensuring your company remains protected no matter whose car is being driven.
We make sure your coverage extends to all situations—whether your team rents cars, drives personal vehicles, or uses short-term leases for business errands.
Our policies cover defense costs, settlements, and judgments that may arise from accidents involving non-owned or hired vehicles.
We can add HNOA coverage to your General Liability or Commercial Auto Policy for a seamless, cost-efficient layer of protection.
We evaluate your daily operations, employee travel habits, and rental vehicle exposure to design coverage that matches your actual driving risks.
It provides liability coverage for accidents caused by employees driving rented, leased, or personal vehicles for business-related purposes.
HNOA covers vehicles your business doesn’t own, including employee-owned cars and rental vehicles temporarily used for company operations.
No. It covers only liability to others, not physical damage to the vehicle being driven. Employees should maintain personal auto insurance for their own vehicles
Businesses whose employees regularly drive personal or rented vehicles for work—such as contractors, consultants, or sales professionals—should carry HNOA insurance.
Yes. HNOA can be endorsed onto a general liability or business auto policy, extending liability protection for non-owned and rented vehicle use.
Why is HNOA important for businesses?
Without it, your company could face costly lawsuits and liability claims if an employee causes an accident while driving their own car or a rental for business activities.
