Hired And Non Owned Auto Insurance 
What Is HNOA Insurance?
HNOA insurance, also called hired and non owned auto insurance, protects businesses from liability when employees drive vehicles the business does not own for work-related tasks. This includes rental cars and employee-owned vehicles used for deliveries, client visits, or errands, helping cover claims when personal auto policies fall short.
What HNOA Insurance Covers
HNOA insurance covers liability claims that arise when an employee causes an accident while driving a non-owned or hired vehicle for business purposes. Coverage typically includes:
- Bodily injury liability – medical expenses for third parties injured in an accident
- Property damage liability – repair costs for third-party property
- Legal defense costs – attorney fees, settlements, and court judgments
What HNOA Insurance Does Not Cover
HNOA insurance excludes certain losses that require separate coverage or policies. It typically does not cover:
Bodily injury
Veihcle Accidents
Goods and Equipment Damage
HNOA insurance covers damage to an employee’s personal or rented vehicle, injuries to employees or business owners, damage to goods or equipment being transported, and accidents that occur during an employee’s normal commute while driving for work.
Who Needs Hired and Non Owned Auto Insurance
Hired and non owned auto insurance is important for any business where employees drive for work, even occasionally. This includes:
- Businesses that reimburse employees for mileage
- Companies that rent vehicles for business travel
- Service businesses making deliveries or visiting clients
How To Add HNOA Insurance
HNOA insurance is usually added as an endorsement to an existing business insurance policy rather than purchased on its own. It is commonly added to:
HNOA Insurance Cost
HNOA insurance cost depends on factors such as business size, driving frequency, and risk exposure, but it is often one of the most affordable liability coverages available. The cost is typically far lower than the expense of an uncovered auto-related lawsuit.
Get HNOA Insurance
Your Gild Insurance Agent is here to understand your business and find the right coverage tailored to your needs.
For a free, online quote in minutes, try out Gildber! The fast, hassle-free option for a business insurance.
Frequently Asked Questions
What is hired and non-owned auto insurance?
HNOA helps protect your business if a vehicle you do not own is involved in an accident while being used for work. This can include rented vehicles or personal cars driven by employees or contractors on business tasks.
Do I need hired and non-owned auto insurance for my business?
You may need this coverage if your business relies on employees, contractors, or owners to drive for work but does not own company vehicles. Without it, your business could be exposed to liability claims after an accident.
What is the difference between hired and non-owned auto coverage?
Hired auto coverage applies to vehicles your business rents or leases for work. Non-owned auto coverage applies to personal vehicles used for business purposes, such as an employee driving their own car to make deliveries or attend meetings.
How much does hired and non-owned auto insurance cost?
The cost depends on factors like how often vehicles are used for business, the number of drivers, and your overall risk profile. Coverage limits and policy structure also affect pricing.
