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What Is Hired & Non-Owned Auto?
Hired & Non-Owned Auto is liability coverage for accidents caused while driving for work in vehicles your business does not own. It can apply to rented cars and to employee-owned or personal vehicles used on company business.
What Does Hired & Non-Owned Auto Cover?
It helps pay for bodily injury and property damage your business is legally responsible for after an at-fault work-related auto accident involving a rented, borrowed, or employee-owned vehicle.
Employee causes a crash in a personal car
Rented car accident on a business trip
Borrowed vehicle used for a quick errand
Key Features of Hired & Non-Owned Auto
Protects the business when it gets named in a lawsuit
Even if the driver has personal auto insurance, claimants often pursue the company for deeper pockets. HNOA is designed to respond to that business liability exposure.
Covers both hired and non-owned use
Hired typically means rented or leased vehicles. Non-owned generally means vehicles your business does not own, like employee personal cars used for work errands or client visits.
Fits neatly with your general liability and auto program
It is often added as an endorsement to a commercial general liability policy or packaged with commercial auto, helping close a common gap for businesses that do not own company vehicles.
Hired & Non-Owned Auto Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
