Overview of Hired & 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 is covered by Hired & Non-Owned Auto Insurance?
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 Hired & Non-Owned Auto Insurance Insurance is important
California roads are busy, and a serious accident can bring liability that reaches your business even when the vehicle is not yours. Because employees frequently use personal cars for work here, HNOA is a common gap-filler for California businesses that skip a full commercial auto policy.
Who needs Hired & Non-Owned Auto Insurance Insurance?
Businesses whose employees drive personal cars for work; companies that rent vehicles occasionally; and delivery, service, and sales operations without a company fleet.
How to get Hired & Non-Owned Auto Insurance
We look at how driving actually happens in your business, from occasional errands to regular deliveries, and help you place HNOA that fits. We also explain what it does not do, so there are no surprises.
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.
