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Hired and Non-Owned Auto Insurance
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What does hired and non-owned auto insurance (HNOA) cover?

Hired and non-owned auto insurance can help cover legal costs from an accident involving a vehicle that your business uses but does not own.

Hired and non-owned car insurance provides coverage for:

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Property damage liability
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Bodily injury liability

Property damage liability

If you or one of your employees gets into an accident that damages another vehicle or someone else's property, hired and non-owned auto insurance can help cover your legal costs.

Example: While transporting materials to a job site in his personal vehicle, a painter rear-ends another car. The accident is the painter’s fault, so the driver of the other car sues to recoup the cost of repairs. The painter’s HNOA policy covers the cost of hiring an attorney and the court-ordered judgment.

Bodily injury liability

HNOA can help cover the cost of a lawsuit if a personal, rented, or leased vehicle driven for your business injures someone.

Example: On the way to a wedding reception, a caterer collides with a car while driving the van she rented to deliver the food. The accident sends the other driver to the hospital, and he later sues over the resulting medical bills. HNOA steps in and pays for the caterer's legal costs.

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Hired and non-owned auto insurance does not cover:

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Auto repairs
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Personal use of vehicles
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Business-owned vehicles

Personal auto insurance and rental agreements may cover vehicle repairs

Hired and non-owned auto insurance only includes liability protection. It will not pay for vehicle damage or theft.

Instead, look to your personal auto insurance policy or rental agreement for coverage. However, this option might not be included in a standard policy.

Commercial auto insurance covers business-owned vehicles

Commercial auto insurance, not hired and non-owned auto insurance, helps pay for medical bills and property damage related to an accident in a business-owned vehicle. It also covers vehicle theft and other types of damage to a business-owned vehicle.

Personal auto insurance covers personal use of vehicles

Hired and non-owned auto insurance only covers accidents that take place while you’re using a personal or rented vehicle for work purposes. It doesn’t cover accidents that happen while you’re using the vehicle for personal reasons, which includes your commute to and from work.

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