Hired & Non-Owned Auto
Hired & non-owned auto (HNOA) covers liability when employees use personal or rented vehicles for business — a common and frequently overlooked gap in work-truck programs.
Hired & Non-Owned Auto for Work-Truck Businesses
Even fleets that title every truck have a hidden exposure: the moment an employee runs to the supply house in their own car, picks up lunch for the crew, or drives a rented box truck, your business can be held liable for an accident. Hired & non-owned auto (HNOA) closes that gap.
Two Exposures, One Coverage
- Hired auto: Vehicles your business rents, leases, or borrows — like a rented truck for a big job
- Non-owned auto: Vehicles your business doesn't own but that are used for business, primarily employees' personal cars
Why It's So Commonly Missed
Owners assume their commercial auto policy or the employee's personal policy will respond. But commercial auto covers scheduled vehicles, and an employee's personal policy may exclude business use or carry low limits. When a serious accident happens during a business errand, the injured party sues the business — and without HNOA, you're exposed.
Who Needs It
- Any business whose employees ever drive personal vehicles for work errands
- Companies that rent trucks or vans for overflow or seasonal work
- Contractors whose crews use their own trucks to get to job sites on the clock
HNOA is inexpensive relative to the protection it provides and is often added as an endorsement to your commercial auto or general liability program. We make sure it's in place so an employee's errand doesn't become an uninsured lawsuit.
What's Covered
Frequently Asked Questions
Their personal policy may exclude business use or have low limits, and an injured party will sue your business, not just the driver. HNOA protects the company when a personal vehicle is used for work.
No — HNOA covers your business's liability, not physical damage to the non-owned vehicle. The vehicle owner's own policy handles their car. We explain exactly where the lines fall.