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Hired & Non-Owned Auto Insurance (HNOA) protects your business from liability risks when employees or authorized drivers use vehicles your company does not own for work-related purposes. Whether an employee drives their personal car to meet a client, uses a rental car for business travel, or operates a leased vehicle for company errands, HNOA coverage ensures your business is financially protected if an accident occurs.
Even businesses without company-owned vehicles face serious auto liability exposure. Without Hired & Non-Owned Auto Insurance, your business could be responsible for costly lawsuits, medical expenses, and property damage claims arising from accidents involving non-owned or hired vehicles. This coverage fills a critical gap, protecting your company wherever business driving happens.
Hired & Non-Owned Auto Insurance provides liability coverage when employees, contractors, or authorized individuals operate vehicles not owned by your business for work purposes. This includes:
If an accident causes bodily injury or property damage to a third party, HNOA helps cover legal defense costs, settlements, and medical expenses, shielding your business from unexpected financial losses.
From personal vehicles to rentals and leased cars, we ensure your business is protected wherever employees drive for work.
Our policies help cover defense costs, settlements, and third-party damages that could otherwise threaten your business finances.
HNOA can be added to your Commercial Auto or General Liability policy for efficient, cost-effective protection.
We assess employee driving habits, rental exposure, and daily operations to tailor coverage to your actual risk profile.
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.
Protect your business from unexpected liability risks no matter whose vehicle is being driven. Hired & Non-Owned Auto Insurance ensures your company stays protected, compliant, and financially secure.
