What is HNOA insurance?
What can Hired and Non Owned Auto insurance cover?
- Property damage caused by employee-owned cars used for work
- Medical bills after an accident in a rental car
- Legal expenses or settlement costs in rented or leased vehicles
- Excess coverage that kicks in after personal auto insurance limits are reached
How much does HNOA insurance cost?
ERGO NEXT sells HNOA as an add-on to general liability insurance for personal vehicles used for work. For business-owned vehicles, we partner with Progressive for HNOA commercial auto insurance policies.
Who needs HNOA insurance coverage most?
- Businesses that rent or lease cars
- Companies with employees who drive personal cars for work
- Delivery drivers or couriers using personal vehicles
- Any business that rents trucks or trailers for work
Add HNOA insurance to your General Liability insurance or your Commercial Auto insurance policy to get protection for:
Rented vehicles
Coverage for when you rent a car, truck or trailer for work.**
Personal vehicles
If employees drive their personal car on the clock, the costs of an accident could be covered.
Legal defense costs
Help safeguard your small business from lawsuits related to rental or employee-owned vehicle accidents.
What’s the cost of Hired and Non Owned Auto insurance?
An HNOA insurance policy cost can vary depending on:
- Your insurance and claims history.
- How often employees drive personal cars for work.
- Your type of business and driving activities.
- The coverage limits you select.
- The state where you operate.
The best way to know exactly what you’ll pay for commercial auto insurance hired and non owned is to get a free quote online.
Who needs Hired and Non Owned Auto Insurance?
Construction trades and contractors
A construction employee uses their own car to grab materials for a job and hits a client’s garage. HNOA insurance could help cover repair costs.
Consultants
You rent a car to visit a client and cause an accident. HNOA insurance could help consultants pay for injuries and damage to others up to your policy limit.
Real estate professionals
A real estate agent gets into a fender bender while driving a client to an open house. HNOA coverage may help cover damage beyond their personal auto insurance policy.
Hired and Non Owned Auto insurance (HNOA insurance) FAQ (frequently asked questions)
How can you buy Hired and Non Owned Auto insurance coverage?
You can buy HNOA insurance coverage in one of two ways:
- If you drive your own personal vehicle for work, you can add HNOA to your ERGO NEXT general liability policy.
- If you’re buying insurance for a business vehicle, HNOA can be added to your business’ commercial auto insurance coverage through our trusted insurance partners.
How is HNOA insurance different from Commercial Auto insurance?
Commercial auto insurance can help cover vehicles your business owns and uses for work. It’s often required by law in most states and can help pay for repairs, injuries or legal costs after a work-related accident.
Hired and non owned auto insurance is an add-on to commercial auto coverage for vehicles owned by and registered for your business. It can help cover business driving on vehicles your business doesn’t own — like rentals or employee cars used occasionally for work.
What’s not covered by HNOA insurance?
HNOA can help cover costs of property damage and bodily injury to others. But it typically does not cover:
- Damage to the rented vehicle or employee-owned vehicle itself (HNOA typically covers repair costs for 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)
Does HNOA insurance cover rental car damage?
Hired and non owned auto insurance does not cover damage to the rental vehicle itself. 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 with that protection.
Do I need HNOA insurance if my employees drive personal cars for work?
Yes. If employees use their personal cars for business errands, HNOA insurance may help cover damage or injuries to others that occur while driving for work — after the employee’s personal auto insurance reaches its limit. Without HNOA, your business could be responsible for those costs.
Can I add HNOA coverage to my existing business insurance policies?
In some cases, yes. Standalone hired and non-owned auto insurance is uncommon.
At ERGO NEXT, you can add HNOA to your general liability policy, but only for business driving with personal vehicles.
Commercial auto insurance policies for business-owned vehicles will usually 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.
Does ERGO NEXT offer HNOA insurance?
Yes. The ERGO NEXT general liability policy has an optional add-on for HNOA coverage only for drivers who use their personal vehicles for work.
If your business owns vehicles used only for business driving, we partner with trusted insurance carriers to provide HNOA coverage as an add-on to commercial auto insurance policies.
ERGO NEXT Insurance reviews
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