Hired & Non-Owned Auto (HNOA)
Liability protection for businesses using vehicles they don't own — hired, rented, or employee-owned
Who It Fits
Any business whose employees rent vehicles, use rideshare for business travel, or drive personal vehicles on company business. Also available on an excess basis for accounts that need limits above their primary auto or HNOA policy.
Available Limits
$300,000 / $500,000 / $1,000,000 / $2,000,000 / $3,000,000 CSL — excess limits up to $10,000,000 available
Minimum Premium
$2,000
Coverage Highlights
- Hired auto liability — rented and leased vehicles
- Non-owned auto liability — employee-owned vehicles used for business
- Standalone policy — no underlying commercial auto required
- Excess coverage available over primary HNOA or commercial auto
- Drop-down coverage if underlying limits are exhausted
- Defense costs outside the limit available
- Blanket additional insured endorsements
- Driver and vehicle schedule endorsements available
- AM Best A- rated reinsurance backing