Quick Answer
Hired & Non-Owned Auto Insurance
Hired & non-owned auto (HNOA) insurance protects transportation companies when employees or subcontractors drive vehicles the company doesn't own — rental vehicles, subcontracted drivers' personal cars, or affiliate fleet units dispatched under your operating authority.
Hired auto covers vehicles you rent, lease, or borrow for business use — including rental cars used during fleet vehicle repairs. Non-owned auto covers vehicles you don't own but that are used on your behalf, such as an employee's personal car or a subcontracted driver's vehicle dispatched under your operating authority.
If you dispatch affiliate vehicles, use owner-operators, or rent vehicles during breakdowns, your primary commercial auto policy typically excludes those vehicles. Airport authorities and corporate accounts frequently require proof of HNOA coverage before approving affiliate or subcontracted drivers.
Most contracts and affiliate agreements require
Yes. If you dispatch trips to affiliate or subcontracted vehicles you don't own, your primary auto policy won't cover them. HNOA fills that gap and is typically required by airport and corporate contracts.
No. HNOA is excess coverage that responds after the vehicle owner's personal or commercial policy is exhausted — it doesn't replace the underlying driver's own insurance.
HNOA is typically added as an endorsement for $500–$2,500 per year depending on the number of affiliate vehicles and dispatch volume, rather than priced per vehicle like owned-auto coverage.
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