Hired and non-owned auto (HNOA) insurance protects your business when employees drive their own cars or rented vehicles for work. If an employee causes an accident while running a business errand, the injured party may sue your company. HNOA provides liability coverage for those claims even if your business owns no vehicles.
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Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
When does a business need HNOA coverage?
If employees drive to the bank, pick up supplies, visit clients or make deliveries in their own cars, your business has exposure.
Renting vehicles for business trips is another common reason to add hired auto coverage.
What does HNOA cover and not cover?
It covers your business’s liability for injuries and property damage to others. It does not cover damage to the employee’s own car or the employee’s personal liability.
Employees still need their own personal auto insurance.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
How do I add HNOA coverage?
HNOA can often be added to a general liability policy, a business owners policy or a commercial auto policy, and it is usually affordable.
We review how your team drives for work and recommend where to place the coverage.
Frequently Asked Questions
Do I need HNOA if my business owns vehicles?
Commercial auto can include hired and non-owned coverage. Ask to make sure it is on your policy.
Does HNOA cover delivery drivers?
It depends on the carrier and how often employees drive. Frequent delivery may need different coverage.
Does HNOA cover the employee’s car damage?
No. Damage to the employee’s car is handled by their personal auto policy.
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Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
