Hired & Non-Owned Auto (HNOA)
Liability coverage when employees drive rented vehicles or their own cars for company business.
Who Needs It
- Businesses with no owned vehicles but staff who run errands, visit clients, or make deliveries
- Companies that rent vehicles for travel or projects
What It Covers
- Liability for injury or damage caused by an employee driving a personal or rented vehicle on company business
- Defense costs
- Can be endorsed to GL, a BOP, or a commercial auto policy
What It Does Not Cover
- Physical damage to the rented or employee-owned vehicle (unless hired physical damage is added)
- The employee's own liability, which their personal policy carries first
- Delivery drivers using personal cars for app-based delivery in most forms
Texas Notes
Common gap for Texas service firms: a personal-auto carrier may deny an accident that happened on the way to a client site, leaving the employer exposed.
Florida Notes
Same exposure; Florida verdicts make the employer the deeper pocket in employee-driver accidents.
Hired & Non-Owned Auto (HNOA) Questions We Hear Most
Is HNOA enough for a company with a few trucks?
No. Owned vehicles need a commercial auto policy; HNOA covers only hired and non-owned exposure.
Do we need it if employees only drive occasionally?
Yes. Frequency changes price, not the need. One trip to the bank is enough for a vicarious-liability claim.
Related Coverage Guides
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