Does a professional firm need commercial auto?

If it owns vehicles, yes. If employees drive their own or rented cars for work, hired and non-owned auto applies, since personal auto generally excludes business use.

What is hired and non-owned auto?

Coverage for the firm's liability when employees drive their own or rented vehicles for business, such as client visits. It does not cover the employee's own car damage.

Do I need it if no one owns a company car?

Often yes. If staff drive personal or rented cars for work, the firm can be liable, and HNOA addresses that gap. We size it to how you operate.

Commercial Auto & Hired/Non-Owned Auto

Commercial auto and hired and non-owned auto for professional firms.

When a firm owns vehicles, or employees drive their own or rented cars for work, client visits, errands, travel, personal auto generally excludes business use and the liability can fall to the firm.

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Commercial auto covers vehicles a professional firm owns and uses for business, while hired and non-owned auto (HNOA) covers the firm's liability when employees drive their own or rented vehicles for work, such as client visits. Personal auto policies generally exclude business use.

The business-use gap

Most professional firms do not own vehicles, but employees driving their own cars to client sites, errands, or events is common, and personal auto policies generally exclude business use. If an employee has an accident on a work trip, the liability can flow to the firm, which HNOA is built to address.

Owned and rented vehicles

If the firm owns a vehicle, it needs commercial auto. If employees rent cars for business travel, the hired-auto piece applies. Many firms need the non-owned and hired coverage even without owning a single vehicle, simply because staff drive for work.

Sizing it to how you operate

The right auto coverage depends on whether the firm owns vehicles, how often staff drive for work, and whether they travel or visit clients. We match it to the operation, and it is often added efficiently alongside a business owners policy.

Commercial auto and hired and non-owned auto for professional firms.

The business-use gap

Owned and rented vehicles

Sizing it to how you operate

Common questions.

Does your coverage match the work you do?

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Business Owners Policy

General Liability

Professional Services Coverage Review

Professional Services Coverage Review

Cover the driving your firm actually does.