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Hired & Non-Owned Auto

Restaurant hired and non-owned auto insurance.

When your staff deliver or run errands using their own or rented vehicles, the liability can fall to your restaurant, and personal auto policies generally exclude business use. Hired and non-owned auto fills that gap.

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Hired and non-owned auto (HNOA) covers your restaurant's liability when employees drive their own or rented vehicles for the business, such as delivery, catering, or supply runs. It does not insure the employee's car for damage, but it protects the business from the liability that use creates.

The gap it fills

Personal auto policies generally exclude business use, so when an employee has an accident while delivering or running a work errand, their insurer can deny the claim and the liability can flow to the restaurant. HNOA is built for exactly that exposure, common to pizza, delivery, and catering operations.

Hired versus non-owned

Non-owned covers vehicles the business does not own, like an employee's personal car used for work. Hired covers vehicles the business rents or borrows. Both sit alongside any owned-vehicle commercial auto coverage, and most delivery and catering restaurants need the non-owned piece.

What it does not do

HNOA protects the business from liability; it does not pay to repair the employee's own car, that remains their personal policy's job. Understanding that line keeps expectations aligned, and it is why drivers should carry their own adequate coverage too.

Frequently asked

Common questions.

What is hired and non-owned auto for a restaurant?
Coverage for the restaurant's liability when employees drive their own or rented vehicles for the business, such as delivery. Personal auto generally excludes business use.
Do I need HNOA if I have delivery drivers?
Usually yes. When staff deliver in their own cars, the liability can fall to the restaurant and personal auto excludes business use. HNOA addresses it.
Does HNOA cover my employee's car damage?
No. It covers the business's liability, not the employee's vehicle damage, which stays on their personal policy. We confirm the right pieces are in place.
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Is this coverage right on your policy?

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We confirm the coverage is there and adequate
We check the exclusions that matter for restaurants
We line it up with your lease and operations
You get a clear read, no obligation
Related resources

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Coverage

Commercial Auto

Owned delivery and catering vehicles.

Segment

Pizza Restaurants

Heavy delivery exposure.

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Restaurant Coverage Review

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Independent, restaurant-first

Close the delivery-driver gap.

Tell us how your staff drive for the business and we will make sure the liability is covered.

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