What is hired and non-owned auto insurance?
Hired and non-owned auto (HNOA) insurance covers liability that may arise when a business uses vehicles it does not own, such as rented vehicles or employees’ personal cars driven for work. It often pairs with general liability for businesses that have no owned commercial auto policy, helping close a gap the driving itself creates.
You do not have to own a single vehicle to have a real auto exposure. The moment an employee runs an errand in their own car or your team rents a van for a job, your business could be pulled into a claim. We help California businesses cover the driving they rely on but do not own.
What does hired and non-owned auto cover?
What does Hired & Non-Owned Auto Insurance cover?
- Liability for vehicles your business rents or hires.
- Liability arising from employees’ personal vehicles used for business.
- Protection that may apply to deliveries, errands, and sales calls.
- A layer that can pair with general liability for businesses without an owned commercial auto policy.
Why does this matter for a California employer?
California roads are busy, and a serious accident can bring liability that reaches your business even when the vehicle is not yours. California adds a step other states do not. Labor Code 2802 requires an employer to reimburse an employee for necessary expenditures made in performing their duties, mileage included. Once you are paying for the trip, it is documented as business use, which makes the claim harder to keep away from the company. That is why HNOA is a common gap-filler here for businesses with no owned fleet.
Which businesses need HNOA?
Businesses whose employees drive personal cars for work; companies that rent vehicles occasionally; and delivery, service, and sales operations without a company fleet.
How do we place HNOA coverage?
We look at how driving actually happens in your business, from occasional errands to regular deliveries, and help you place HNOA that fits. We are also direct about the limits of it. HNOA protects the business, sits excess over the driver’s own policy, and does not repair an employee’s car. Damage to a vehicle you rent needs hired auto physical damage, added separately.
Common questions about Hired & Non-Owned Auto Insurance
Answering the most frequently asked questions about Hired & Non-Owned Auto Insurance.
Start Your Hired & Non-Owned Auto Insurance Quote
Schneiderman Insurance Agency makes the process of finding Hired & Non-Owned Auto Insurance convenient for you. Tell us about your situation, we review your risks and options with you, we help you put the right coverage in place, and we stay with you at renewal.
