Hired & 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 theirs for company errands.

Find out how commercial insurance policies differ and which ones will benefit your business.

Commercial auto insurance provides protections for vehicles owned by a business. If you use personal or rented vehicles for work, you might need hired non-owned auto insurance.

Commercial auto insurance covers the vehicles owned by a business. The cost depends on the number of vehicles and how they are used.

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.

Because of delivery driving’s unique risks, insurers are sometimes reluctant to provide commercial auto coverage. The type of policy you need depends on who owns the vehicle.