Do You Need Hired & Non-Owned Auto Coverage?

Hired and non-owned auto (HNOA) coverage protects your business when employees use personal or rented vehicles for company business — a supply run, a client visit, an errand between job sites.

Without it, a claim involving an employee's personal vehicle on company time can land directly on your business with no coverage response from your commercial auto policy.

HNOA is typically inexpensive relative to the protection it adds, especially for businesses without a dedicated company fleet.

If any employee is reimbursed mileage or occasionally drives for work errands, it's worth a five-minute conversation with your broker.