Think your business is off the hook for auto-related accidents because you don’t own any vehicles? Think again.
If your employees drive their own cars for work, rent vehicles for business trips, or even make the occasional delivery run, your business could be exposed to serious liability risks.
That’s where Hired & Non-Owned Auto Insurance (HNOA) comes in — providing essential protection for businesses that use vehicles they don’t own.
What Is Hired & Non-Owned Auto Insurance (HNOA)?
Hired & Non-Owned Auto Insurance is a type of commercial auto liability coverage that protects your business when employees, contractors, or volunteers use:
✔ Rented or leased vehicles for business purposes (Hired Auto)
✔ Personal vehicles for business errands or tasks (Non-Owned Auto)
HNOA coverage helps pay for:
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Bodily injury or property damage your business is responsible for in an accident
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Legal defense costs if your company is sued
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Excess liability if damages exceed the driver’s personal auto policy limits
When Do You Need Hired & Non-Owned Auto Insurance?
You should seriously consider HNOA coverage if:
✅ Your employees use personal vehicles to run business errands
✅ You or your team rent vehicles for business travel
✅ You rely on temporary vehicles for projects or deliveries
✅ You want to protect your business from costly lawsuits related to auto accidents
Common Examples:
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A salesperson drives their own car to meet clients
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An employee picks up supplies for a job site
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You rent a van for a conference or event
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A delivery is made using a personal vehicle
In all of these situations, your business could be held liable for damages — even if you don’t own the vehicle involved.
Why Hired & Non-Owned Auto Insurance Matters
Many business owners mistakenly assume that personal auto insurance or rental agreements fully cover their risks. The reality? Those policies often have gaps — and your business could be left financially vulnerable.
HNOA coverage provides:
💡 Liability Protection: Covers bodily injury or property damage caused by vehicles your business doesn’t own
💡 Legal Defense: Pays for legal costs if your company is sued after an accident
💡 Excess Coverage: Adds a layer of protection beyond an employee’s personal auto policy limits
💡 Peace of Mind: Keeps your business protected, even when using borrowed, rented, or personal vehicles
Don’t Let an Auto Accident Drive Up Your Business Risk
Auto accidents can happen anytime — even if your business doesn’t own a fleet. Without the right coverage, you could face:
⚠️ Costly legal battles
⚠️ Damaged reputation
⚠️ Out-of-pocket expenses for medical bills or property damage
A Hired & Non-Owned Auto Insurance policy is an affordable way to protect your business and minimize risk.
Get HNOA Coverage with Risman Insurance
At Risman Insurance Agencies, we help businesses of all sizes protect what matters — including liability risks you might not even think about.
Our team makes it simple to:
✔ Understand your HNOA coverage options
✔ Get competitive commercial insurance quotes
✔ Protect your business, your employees, and your peace of mind
Ready to protect your business? Contact Us Today! — we’ll help you secure the right coverage for every vehicle your business uses, owned or not.
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