Products
HNOA / Vehicle liability
Hired & Non-Owned Auto
Hired and non-owned auto, or HNOA, is reviewed when employees, owners, or contractors use personal or rented vehicles for business errands, deliveries, or client work.
Coverage
What it usually handles
- 01Liability exposure from personal or rented vehicles used for business.
- 02Delivery, errands, client visits, and occasional rental vehicle use.
- 03A common companion to BOP or general liability when no owned commercial auto exists.
Triggers
When it comes up
- 01Employees use personal cars for errands, client visits, or deliveries.
- 02The business rents vehicles occasionally.
- 03You do not own commercial vehicles but still have business driving exposure.
Quote file
Inputs carriers usually need
- 01Who drives for business and how often.
- 02Delivery, errands, sales visits, rentals, and personal vehicle use.
- 03Driver policies, MVR practices, and contract requirements.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.