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What is hired and non-owned auto insurance?

Hired and non-owned auto insurance (HNOA) is a type of insurance for small business owners who rent or lease vehicles, or ask employees to use their personal vehicles for business purposes.

How does hired and non-owned auto insurance protect your business?

If you or an employee gets into an accident while driving a leased, rented, or personal vehicle for business purposes, hired and non-owned auto insurance will make sure any resulting lawsuits won’t bankrupt your business.

Hired and non-owned car insurance provides insurance protection while driving vehicles your business doesn't own for work purposes.

It covers legal expenses that result if you or an employee has an accident. It also closes a gap with most commercial auto insurance policies which excludes coverage for accidents involving business use of vehicles not titled to the company.

If you or one of your employees is held liable for another person's property damage or injury, your insurance will cover attorney's fees, settlements, or court-imposed judgments.

However, hired and non-owned auto insurance does not cover:

  • The costs to repair the leased, rented, or employee-owned car, van, or truck
  • Accidents that happen while employees are commuting to work
  • Incidents that occur while employees are running personal errands during the workday
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Which small businesses are eligible for HNOA?

Hired and non-owned auto insurance is available to any small business that can fulfill an insurer’s underwriting requirements. These are based on information such as a company's size, credit history, and prior auto insurance claims.

Companies that fail to demonstrate financial responsibility and a safe driving history may be denied insurance or charged a higher premium.

This policy is not available as a standalone policy through Insureon. It can be added to your general liability insurance, or to the general liability portion of a business owner's policy.

Who needs hired and non-owned auto insurance?

Small businesses that frequently rent cars for business travel, lease vehicles for long-term periods, or ask employees to use their personal vehicles for business errands are good prospects for hired and non-owned car insurance. So are those that often rely on employee vehicles during peak work periods.

Companies in these industries will likely have a strong need for this type of protection:

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Insureon helps small business owners compare quotes for general liability insurance and other policies from top-rated U.S. carriers. Start an application today to protect your business against car accidents and other common risks.

Updated: August 19, 2022
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