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 itself. Damage to a vehicle you rent is usually handled by hired auto physical damage coverage, which is added separately, or by the rental company’s own product at the counter. An employee’s own car is covered by that employee’s personal auto policy rather than yours. Forms vary, so check whether hired auto physical damage appears on your declarations page before you rent for the business.
Related FAQs
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.
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