FAQs

Yes, most policies can be extended to cover rental equipment. It's essential to check with your insurance provider to ensure rental items are included in your coverage ...

Contractor’s Tools and Equipment Insurance typically does not cover normal wear and tear, intentional damage, or losses caused by neglect. For coverage of general liability, you would need a ...

A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left ...

It depends on who owns the vehicle relative to the named insured. Hired and non-owned auto is built for vehicles the business does not own, so an employee’s personal ...

Yes, HNOA can often be added as an endorsement to an existing commercial auto or general liability policy, providing an additional layer of protection.

Yes, even occasional use of non-owned vehicles for business purposes can expose your business to significant risks. HNOA provides essential coverage for these scenarios.

Hired and non-owned auto is liability coverage, so it typically responds to injury or damage you cause to others rather than to damage to the rented or employee-owned vehicle ...

Yes, surety bonds typically have a set term and need to be renewed upon expiration. The term length can vary depending on the type of bond and the requirements ...

Yes, it is possible to get a surety bond with bad credit, though it may come with higher premiums. Many surety companies offer programs specifically designed for businesses with ...

If a claim is made against your surety bond, the surety company will investigate the claim to determine its validity. If the claim is found to be valid, the ...