Hired & Non-Owned Auto Insurance
Hired and non-owned auto covers liability when your business uses vehicles it does not own — rented trucks, borrowed equipment, or an employee’s personal vehicle on company business.
Fleets routinely rent a truck to cover a breakdown or send an employee on an errand in a personal vehicle. Those vehicles are not on your scheduled auto policy, and a serious accident in one can still land on your business. HNOA fills that gap.
What it covers
- Liability for short-term rented or hired vehicles
- Liability when an employee drives a personal vehicle on company business
- Gaps that open when a scheduled truck is down and a replacement is rented
Who needs it
Fleets that occasionally rent replacement trucks or have employees run company errands in their own vehicles.
Common questions
- Do I need hired and non-owned auto if every truck is on my policy?
- Often yes. Your scheduled policy covers the trucks you list — but the day you rent a replacement or send an employee out in their own car for the business, that vehicle is not on it. HNOA is the inexpensive coverage that closes that gap.