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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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.
Common questions.
Does a professional firm need commercial auto?
What is hired and non-owned auto?
Do I need it if no one owns a company car?
Does your coverage match the work you do?
Tell us your services, clients, and the data you handle and we will check your program against how your firm actually operates. Educational, no obligation.
Cover the driving your firm actually does.
Tell us how your firm uses vehicles and we will line up auto coverage.