Hired & Non-Owned Auto (HNOA)
Definition. HNOA extends Commercial Auto coverage to vehicles your business uses but doesn't own — employees' personal vehicles for business + rental cars for work travel.
Also known as: Hired Auto, Non-Owned Auto
The most-overlooked Commercial Auto coverage. Without HNOA, an employee's personal-car business trip that ends in an accident leaves the business uncovered. Typically $50-$300/yr add-on.
Example
Office manager makes weekly bank deposit run in their own car; collision results in $40K bodily injury claim. HNOA covers it.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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