Hnoa Overview

Many businesses rely on employees to drive rented or personal vehicles for work. When accidents happen, the resulting liability can be costly. Hired and Non-Owned Auto (HNOA) Insurance provides protection for companies that use but do not own the vehicles driven for business purposes.

This specialized coverage shields businesses from the financial impact of third-party bodily injury or property damage claims caused by vehicles that are rented, leased, or personally owned by employees and used in the course of work.

Hired and Non-Owned Auto Insurance offers essential liability coverage when employees or authorized drivers cause an accident in a vehicle not owned by the business.

Hired autos include vehicles that are rented, leased, or borrowed for business use.
If an accident occurs, the policy helps cover legal fees and third-party damages. Vehicles borrowed from employees, partners, or family members are not considered “hired” and are therefore excluded from this portion of coverage.

Non-owned autos are vehicles personally owned by employees but used to perform job-related tasks — for example, visiting clients, running errands, or traveling between work sites.
If an accident occurs, coverage applies after the employee’s personal auto policy limits are exhausted, protecting the business from remaining liability.

This coverage is designed to protect businesses from liability exposure only. It does not cover:

• Collision or physical damage to the hired or borrowed vehicle
   
• Injuries to the driver or employee
   
• Vehicles owned by or regularly used by the insured business

Protect your business from liability, property damage, and other risks. Our policies are tailored to meet the unique needs of your business. We can help you find the coverage you need to stay protected.

 Auto accidents are unpredictable, and costs can escalate quickly. A single claim involving a rented or employee-owned vehicle can result in substantial expenses — including legal fees, medical bills, and property damage.

HNOA coverage ensures that your business remains protected, even during occasional or one-time use of non-owned vehicles. It’s a simple, cost-effective safeguard against potentially devastating losses.

Protect your business from unforeseen auto liability — contact us today to learn more about how Hired & Non-Owned Auto Insurance can work for you.