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Hired and Non-Owned Auto Insurance
Protect your tech company when using vehicles you don't own.
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What does hired and non-owned auto insurance cover?

Hired and non-owned auto insurance (HNOA) can help cover the cost of a lawsuit if you or an employee are involved in an accident while driving a personal, rented, or leased vehicle for business purposes.

Hired and non-owned auto insurance provides coverage for:

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Bodily injury liability

If you or your employee are involved in an accident while driving a personal, rented, or leased vehicle and injure someone, HNOA can help cover the costs of a lawsuit.

Example: An IT consultant rear-ends another vehicle while driving his own car to meet a client. The other driver suffers bad whiplash and sues for damages. The IT consultant's HNOA policy pays the legal defense costs as well as the eventual settlement.

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Property damage liability

HNOA covers your legal costs when a personal, rented, or leased vehicle used by your business is involved in an accident and damages another person's property.

Example: A technician for a computer repair company is driving to a client's office when she spills her coffee and hits a mailbox. The property owner sues over the damage. HNOA covers the attorney's fees and court-ordered judgment.

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Hired and non-owned auto insurance does NOT cover:

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Vehicle damage

You can choose between two types of auto insurance coverage that pay for physical damage or replacement of your vehicle:

  • Collision coverage covers the cost of damage to a vehicle when it's in an accident.
  • Comprehensive coverage protects the vehicle in other incidents, such as theft, vandalism, or fire.

HNOA does not include either coverage. However, you can add them to commercial auto insurance and personal auto insurance policies.

Example: A business intelligence professional drives her personal vehicle to a client’s office during an ice storm. She slides and hits the curb, damaging the front end of the car. If her personal auto policy includes collision coverage, it would pay for the repairs.

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Employee injuries

Workers' compensation insurance covers employee injuries, including injuries from on-the-job auto accidents.

Example: Bob, an employee for an IT staffing agency, is driving a rental vehicle to get from the airport to a conference. Another driver misses a stop sign and hits Bob's vehicle, giving him a concussion.

The IT staffing agency's workers' compensation insurance policy covers the cost of the ambulance ride and emergency room visit.

Updated: March 21, 2022