HNOA Insurance: Hired and Non-Owned Auto Insurance

Commercial auto insurance could help protect vehicles your business owns and use for work. It could help cover injuries, property damage and damage to covered business vehicles after an accident.

Hired and Non-Owned Auto insurance is an add-on to a business’s general liability insurance. HNOA insurance could help cover business driving with vehicles your business doesn’t own — like rentals or employee cars used occasionally for work.

If your business owns vehicles, you may need commercial auto insurance for those vehicles as well as HNOA coverage for personal or rented vehicles you or your employees also use for business.

Hired auto coverage and non-owned auto coverage protect against different types of vehicles your business uses but doesn’t own.

Hired auto coverage applies to vehicles your business rents, leases or borrows for work. For example, it could help protect your business if you cause an accident while driving a rental car to meet a client.

Non-owned auto coverage applies to vehicles your business doesn’t own, hire or lease, such as an employee’s personal car used for a work errand.

Hired and Non-Owned Auto coverage combines these protections to help cover your business’s liability when non-business-owned vehicles are driven for work.

HNOA coverage could help cover costs of property damage and bodily injury to others after a work driving accident. But it typically does not cover:

• Damage to the rented vehicle or employee-owned vehicle itself (HNOA typically covers repair costs for vehicles that belong to others).
• Damage to tools, goods or equipment inside the vehicle.
• Incidents that occur commuting to or from work.
• Routine vehicle maintenance, mechanical breakdowns or wear and tear.
• Vehicles your business owns (usually covered by a commercial auto policy).

Hired and Non-Owned Auto insurance doesn’t cover damage to the rental vehicle itself. But it can help cover costs if your rental causes injury or property damage to others, or if your business faces a related lawsuit.

To cover damage to a rented vehicle, you’d need the rental company’s physical damage coverage or a commercial auto policy that includes that protection.

No. Employees who use their own vehicles for work still need personal auto insurance. HNOA coverage is designed to help protect the business if an employee causes an accident while using their personal vehicle for work.

For example, if an employee causes an accident while running a work errand and your business is held liable, non-owned auto liability insurance could help cover certain costs related to injuries, property damage or a lawsuit against your business.

Yes. If employees use their personal cars, trucks, vans, trailers or other vehicles for business — like deliveries, client visits or work-related errands — HNOA insurance could help cover damage or injuries to others that occur while driving for work. It usually comes into play after the employee’s personal auto insurance reaches its limit. Without HNOA, your business could be responsible for those costs.

At ERGO NEXT, you can add HNOA to your general liability insurance policy.

Commercial auto insurance policies for business-owned vehicles may let you add non-owned insurance as an add-on (also called an endorsement) to cover drivers using personal or rented vehicles for business purposes.

Yes. ERGO NEXT offers HNOA as an optional add-on to general liability insurance for eligible businesses that use personal vehicles for work.

If your business owns vehicles, we partner with Progressive to provide commercial auto insurance.

It only takes about 10 minutes to get general liability coverage online with ERGO NEXT.

Answer a couple of questions about your business to get a free general liability insurance quote with HNOA coverage specific to your business. You’ll adjust the limits to fit your budget, and then buy coverage 100% online — no agent required.

Your coverage is effective immediately after payment. And your shareable, unlimited certificates of insurance (COIs) as proof of your policy are available at no extra cost.

You’ll have immediate 24/7 online access to all of your policy documents online or on the ERGO NEXT Insurance app for iPhone or Android.

You can file a claim on your general liability insurance policy anytime through your online account or in the ERGO NEXT Insurance app.

You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions as quickly as possible so that you can get back to work.

Learn how to file a claim with ERGO NEXT.