Hired and Non-Owned Auto Liability Insurance
What Is Hired and Non-Owned Auto Liability Insurance?
HNOA insurance is a type of commercial auto liability coverage designed for:
Hired vehicles: Cars, trucks, or vans your business leases, rents, or borrows for business use.
Non-owned vehicles: Personal vehicles owned by employees but used for business purposes.
This coverage protects your business from third-party liability claims—such as bodily injury or property damage—caused by these vehicles while being used for business operations.
Why Your Business Needs HNOA Coverage
If your company relies on transportation but doesn’t own a fleet of vehicles, you still face significant liability risks. Accidents involving non-owned or rented vehicles can lead to lawsuits or expensive damage claims.
Scenarios where HNOA coverage applies:
An employee uses their personal car to deliver products
A manager rents a vehicle while traveling for work
A staff member drives their car to attend a client meeting
Without Hired and Non-Owned Auto Liability Insurance, your business could be responsible for medical bills, legal fees, and property damage—even if you don’t own the vehicle involved.
What Does HNOA Insurance Cover?
Hired and Non-Owned Auto Liability Insurance typically includes:
Bodily injury liability
Property damage liability
Legal defense costs
Third-party medical expenses
Supplemental damages as required by state law
Note: HNOA does not cover physical damage to the vehicle itself—only liability to others. To cover the vehicle, you would need a hired auto physical damage policy.
Enhance Your Business Owner’s Policy with These Additional Coverages
Who Needs HNOA Insurance?
This coverage is ideal for businesses that:
Frequently rent vehicles for business use
Rely on employees to use personal cars for company tasks
Want to limit their liability exposure
HNOA and Restaurants or Food Delivery Services
If you operate in the hospitality industry—such as a bar, restaurant, or franchise restaurant—HNOA coverage is crucial. Delivery drivers using their own vehicles, for example, are not covered under standard bars and restaurants insurance unless HNOA is included.
How Much Does HNOA Insurance Cost?
HNOA coverage is surprisingly affordable compared to the financial risks it protects against.
Small businesses can expect rates starting from $150–$500 per year
Cost depends on business size, risk exposure, location, and claims history
HNOA is often available as an add-on to general liability or commercial auto insurance
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