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What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto (HNOA) is a business liability policy that covers your company when employees drive vehicles your business doesn't own. "Hired" means vehicles you rent or borrow for work. "Non-owned" means your employees' personal cars used for business tasks.
If your office manager causes an accident while picking up supplies in their own car, your commercial auto policy won't cover it because you don't own the vehicle. Their personal policy covers their car, but it won't cover the business. That's the gap HNOA fills. It protects your business from the liability claim.
Most Virginia Beach businesses don't realize this gap exists until they need it. HNOA is typically affordable and can be added as an endorsement to your general liability or commercial auto policy.
HNOA Insurance Questions Virginia Business Owners Ask
Is HNOA the same as commercial auto insurance?
No. Commercial auto covers vehicles your business owns or leases. HNOA covers your business liability when employees drive vehicles you don't own, like rentals or their personal cars. Many businesses need both, but they cover different situations.
Does my employee's personal auto policy cover my business?
Their personal policy covers their vehicle and their personal liability, but it won't protect your business from a lawsuit. If someone sues your company after an employee causes an accident in a personal car during work, your business needs its own coverage. That's what non-owned auto provides.
How much does HNOA insurance cost?
HNOA is usually one of the most affordable commercial coverages because it only covers liability, not the vehicle itself. Cost depends on the number of employees, how often they drive for work, and your industry. For many small businesses it runs a few hundred dollars a year.
Can I add HNOA to my general liability policy?
Yes. Most carriers offer HNOA as an endorsement to your general liability or your commercial auto policy. Adding it to an existing policy is usually cheaper and simpler than buying a standalone policy. We can check which option works best with your current carrier.
Do I need HNOA if nobody in my company drives for work?
If no employee ever uses a personal or rented vehicle for any business purpose, including quick errands, you may not need it. But most businesses underestimate how often this happens. A single trip to the bank or office supply store in a personal car creates the exposure. It's worth a conversation with your agent to confirm.
