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Hired and non-owned auto insurance, sometimes shortened to HNOA, covers a gap many businesses do not realize they have: liability that arises when employees drive vehicles the business does not own for work purposes.
If an employee runs a business errand in their own car or a rented vehicle and causes an accident, your business can be held liable, yet a standard commercial auto policy that only covers owned vehicles may not respond. HNOA is designed for exactly that situation.
Any business whose staff occasionally drive personal or rented vehicles for work, such as picking up supplies, running deliveries, or traveling between sites, should look at this coverage. It is usually an affordable add-on.
If your team ever drives for the business in vehicles you do not own, do not assume you are covered. Explore business insurance or start a quote.
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