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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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.
Common questions.
What is hired and non-owned auto coverage?
Do I need it if I have no company vehicles?
Does HNOA cover damage to my employee's car?
Do contracts require it?
Do your crews create auto exposure you have not insured?
Employees driving their own or rented vehicles for work is a common uninsured gap. We close it.
Cover the vehicles you do not own.
Tell us how your crews use vehicles and we will close the hired and non-owned gap.