Not every vehicle used for your business is one you own. Sometimes you might rent, lease, or have employees use their personal vehicles to perform work-related tasks. When this happens, your business can still be held liable if there’s an accident — even if the vehicle isn’t titled to your company.

Hired & Non-Owned Auto Liability Insurance (HNOA) is designed to protect your business in exactly these situations.

Hired Autos
Covers vehicles you lease, rent, or borrow for business purposes — for example, a rented truck used temporarily to make a delivery or move equipment.

Non-Owned Autos
Covers vehicles owned by employees or others, but used for business activities on behalf of your company — for instance, an employee using their own pickup truck to run errands or deliver goods.

Third-Party Liability
Provides protection against claims for bodily injury or property damage caused to others when a covered vehicle is involved in an accident.

Protects Your Business Assets
Without this coverage, your business could face expensive lawsuits or judgments if an employee or rented vehicle is involved in an accident while on the job.

Essential for Contract Requirements
Many clients and contracts require proof of HNOA coverage to ensure you’re properly insured before starting work.

Peace of Mind
Even if you rely on rented trucks or employee vehicles occasionally, you remain protected from unexpected liability exposures.

📄 Important to Know

HNOA generally does not cover physical damage to the rented or employee-owned vehicle itself — it covers liability to others.

Coverage typically only applies when vehicles are being used for business purposes, not personal errands.

HNOA generally does not cover physical damage to the rented or employee-owned vehicle itself — it covers liability to others.

Coverage typically only applies when vehicles are being used for business purposes, not personal errands.