Hired & Non-Owned Auto

Hired and Non-Owned Auto (HNOA) insurance is an important, yet often misunderstood, component of a comprehensive commercial risk management program—especially for small and low mid-market businesses. HNOA provides liability coverage for bodily injury or property damage caused by vehicles your clients don’t own but still use for business purposes, such as employee-owned cars or rented vehicles. Even companies without a fleet or company vehicles can face significant exposure if an employee gets into an accident while driving their own car to a meeting or using a rental car for business travel. In such cases, your client can be held legally responsible—and personal auto policies typically won’t provide adequate protection.

For brokers, educating clients about this hidden but common exposure is a vital part of safeguarding their operations. Many small businesses assume they have no auto risk if they don’t own vehicles, which can lead to costly gaps in coverage. A single serious accident involving an employee’s personal or rented vehicle can trigger a lawsuit that threatens the business’s financial health. By recommending HNOA coverage—often available at a relatively low premium—you help your clients avoid major losses stemming from everyday activities like sales calls, deliveries, or errands. If your clients have employees on the road, they have auto liability exposure—and HNOA is how you can help them manage it.