Hired and Non-Owned Auto Insurance
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What is hired and non-owned auto insurance?

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Hired and non-owned auto insurance

This policy provides coverage for business owners and employees who get into an accident while driving a personal vehicle for business purposes. It also covers leased or rented vehicles.

When do businesses need hired and non-owned auto insurance?

If your business regularly uses vehicles you don't own, you may benefit from hired and non-owned car insurance (HNOA). For example, employees might run business errands in their personal vehicles or rent a car for a business trip. However, if your business owns the vehicle, then you’re required by law to carry commercial auto insurance.

Woman on phone with car overheating.

HNOA provides protection for:

  • Personal vehicles used for work
  • Employees running errands
  • Car rentals for a business trip
  • Companies that lease vehicles

How do I get hired and non-owned auto insurance?

Many businesses add hired and non-owned auto insurance to their general liability insurance. You can also purchase this policy separately, but sometimes buying policies together can lower your insurance rates.

When you fill out Insureon’s online application for general liability insurance, make sure to check boxes and answer questions related to hired and non-owned auto coverage to get quotes for this policy as well.

Hired and non-owned auto insurance costs

Man calculating cost of hired and non owned auto insurance.

Hired and non-owned auto insurance can be inexpensive for a small business. Several factors affect policy costs, including:

  • Number of vehicles
  • Vehicle type and value
  • Level of risk involved
  • Claims history
  • Employee driving records
  • Policy deductible and limits
View Costs

Learn more about hired and non-owned auto insurance

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