Core Liability · Calculator, Comparison & Guide

Hired & Non-Owned Auto (HNOA) Insurance: Calculator, Comparison Table & Guide

For businesses without owned vehicles — or with employees who drive their own.

Prong 1 · Interactive Calculator

HNOA Exposure & Cost Estimator

For businesses without owned vehicles — or with employees who drive their own.

Results
LineEstimate
Base HNOA —
Delivery / passenger factorMany GL-endorsed HNOA forms exclude delivery — a stand-alone policy is needed. —
Estimated annual HNOA —
Typical personal-auto limit gap (employees × $30K)Texas minimum personal auto liability is 30/60/25. Your exposure begins there. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

HNOA Options

Endorsement vs. stand-alone vs. full commercial auto.

CriterionGL/BOP EndorsementStand-Alone HNOACommercial Auto w/ Symbols 8 & 9
Liability for employee-driven personal carsIncludedIncludedIncluded
Delivery / passenger operationsExcludedOptionalIncluded
Hired auto physical damageExcludedOptionalOptional
Rideshare / gig driversExcludedExcludedOptional
Cost$150–$500$500–$2,500Part of fleet policy
Best fitOffice businessesHome health, sales teams, nonprofitsAny owned vehicles
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Hired & Non-Owned Auto: The Coverage Every Business Needs and Few Buy

Your employee runs an errand in her own car and hits a cyclist. Her personal policy has 30/60/25. The plaintiff sues you.

How it works

HNOA covers the business's liability when employees drive personal cars or rentals for company purposes. It's excess over the employee's personal policy.

  • Doesn't cover damage to the employee's car
  • Doesn't cover the employee's own liability beyond their limits — that's on them
  • Includes rental cars (hired autos)

Who needs it

Any business where anyone ever drives for work: bank runs, client visits, deliveries, conferences.

  • Home health and social services: highest exposure
  • Nonprofits with volunteers driving
  • Sales teams with car allowances

Delivery exclusion

Most endorsement versions exclude delivery of goods or transport of people. Restaurants, pharmacies, and health care need the stand-alone form.

Frequently Asked Questions

Does HNOA cover my own car as the owner?

Only if you're not the named insured driving your own auto — owners typically need commercial auto or drive-other-car coverage.

What should I require from employees who drive?

Proof of personal auto at 100/300/100 or higher, annual MVR consent, and a driving policy.

Is rideshare/gig delivery covered?

No; that's the platform's commercial policy plus a personal rideshare endorsement.

Related: hired non-owned auto · HNOA coverage · employee driving own car business

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your hired & non-owned auto (hnoa) exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.