Hired & non-owned auto insurance
The line between a personal vehicle and a commercial vehicle is sometimes unclear. Find out which types of auto insurance cover vehicles used for work.
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.
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.