Hired & Non-Owned Auto

Hired auto covers vehicles rented or leased temporarily for business use. Non-owned auto covers employees' personal vehicles when used for company business. Together they're sold as a single endorsement on a commercial auto policy. Critical for businesses with employees who run errands in their own cars, even occasionally — without HNOA, a fender-bender by an employee 'on the clock' can trigger a company lawsuit with no coverage.