What is hired and non-owned auto coverage?

It covers your business's liability when employees drive rented or personal vehicles for work. Personal auto excludes business use, so without HNOA a claim can fall to the company.

Do I need it if I have no company vehicles?

Often yes. If crews ever drive their own or rented vehicles for the business, you have the exposure even without a fleet. HNOA is inexpensive and closes it.

Does HNOA cover damage to my employee's car?

No. It covers the business's liability, not physical damage to the employee's own vehicle. The employee's policy handles their car.

Do contracts require it?

They can, especially when crews drive for the business. We confirm your coverage and limits meet the requirement.

Contractor Hired & Non-Owned Auto Insurance

Liability when the truck is not yours.

Even without a company fleet, a contractor has auto exposure the moment a worker drives a personal or rented vehicle for the business. Hired and non-owned auto covers that liability, and it is one of the most overlooked and least expensive coverages in a contractor's program.

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Hired and non-owned auto, HNOA, covers your business's liability when employees drive vehicles you do not own, their personal trucks for work, or vehicles you rent. Personal auto policies exclude business use, and a claim during business use can fall to the company without HNOA.

Why the exposure exists

Crews run for materials, pick up rentals, and drive their own trucks to jobsites, all for the business. If one of them causes an accident while working, the business can be sued, and the worker's personal auto policy may deny the claim because it was business use. That leaves the company exposed, often without realizing it, which is exactly the gap HNOA closes.

What it covers and does not

HNOA covers the business's liability arising from hired (rented) and non-owned (employee or borrowed) vehicles used for work. It does not pay for physical damage to the employee's own car, and driver records still matter. It is a liability coverage that protects the business, not the employee's vehicle, and it is inexpensive relative to the exposure it removes.

How we handle it

We add HNOA where your crews drive for the business, coordinate it with any owned commercial auto and with your umbrella, and confirm the limit matches your contracts. For contractors without a titled fleet, it is one of the most important and most missed coverages, and we make sure it is in place.

Liability when the truck is not yours.

Why the exposure exists

What it covers and does not

How we handle it

Common questions.

Do your crews create auto exposure you have not insured?

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Commercial Auto

General Liability

Coverage Review

Cover the vehicles you do not own.