Buy affordable hired and non owned auto insurance online inless than 5 minutes
No paperwork.
Instant coverage.
No-commitment quote.
What is hired and non-owned auto insurance?
Hired and non-owned auto insurance (HNOA) is a type of commercial auto insurance coverage that protects your company if you or one of your employees causes physical damage with a vehicle that your business doesn’t own. That vehicle could be a rented vehicle (hence, “hired”) or a vehicle owned by an employee or a third party. Basically, if someone associated with your business causes damage with a non-owned vehicle—and it’s on a business-related activity—hired and non-owned auto coverage will step in to help cover damages.
For example, say your employee runs business errands in their own car and gets into a severe accident, damaging another vehicle and sending the driver to the hospital. Then, after the accident, you discover that the employee had let their personal auto insurance policy lapse. At that point, you and your business could be financially liable for any property damage or bodily injury caused by the accident, since the employee was running an errand for business purposes. You could be on the hook for tens of thousands of dollars. (And even if the employee had current auto insurance, your business would be liable for any excess damages or lawsuits resulting from the accident. Ouch.)
All in all, hired and non-owned auto insurance is a good idea for a lot of businesses, and it’s easy to add to a Business Owner’s Policy (which you can get from Huckleberry here).
Does your small business need hired and non-owned auto insurance?
It depends. Do you or your employees ever use vehicles that the business doesn’t own? If the answer is yes, you’re vulnerable to a liability lawsuit, and should seriously consider purchasing hired and non-owned auto coverage. (Conveniently, hired and non-owned auto insurance is easy to add to a Business Owner’s Policy—just about every business should have one—so there’s no reason not to get covered. You can get a rate estimate here.)
What does commercial hired and non-owned auto insurance cover?
Hired and non-owned auto insurance policy covers the cost of damages, court fees, and legal defense costs if you or an employee cause damage with a non-company vehicle. And when we say “employee,” we mean anyone associated with your business—full-time or part-time, paid or volunteer.
Now, let’s talk about what this insurance won’t cover. Commercial hired and non-owned auto coverage is a liability insurance policy. It’ll cover the damage that the vehicle causes—and will pay for legal costs and lawyers if you get sued—but it won’t cover damage to the vehicle itself (or any property inside the vehicle at the time of the accident). It also won’t cover your employee’s personal vehicle during their work commute or for any damage that occurs on a personal errand during business hours.
Long story short: Hired and non-owned auto insurance mainly exists to protect your company from a lawsuit and is not a replacement for auto insurance.
HNOA coverage by state
How much does hired and non-owned auto insurance cost?
The premium cost of hired and non-owned auto insurance is based mainly on how many people you employ, their driving records, and how much money you spend renting vehicles for your business. So your rate will depend on your specific situation, and the best way to figure out what you’d pay is to get an estimate here. (All the questions are easy.)
Why get hired and non-owned auto from Huckleberry?
Great question. Here’s why you should get business insurance online from Huckleberry:
- It's fast
- It’s online. No paperwork.
- Easy decisions. We explain everything in simple terms.
- You’ll probably pay less. And maybe a lot less.
Common questions about hired and non-owned auto insurance:
No, hired and non-owned auto insurance is not required. But if you or at least one employee drives vehicles that don’t belong explicitly to your business, you should strongly consider buying it anyway. It could save you from a massive lawsuit bill (and keep your business afloat).
There are two main elements to HNOA insurance coverage, and the cost for each is determined separately.
For “hired” coverage, the price is calculated based on how much money your business spends renting vehicles. In practice, this could mean paying a minimum amount at the start of your policy, and then—at the end of the insurance period—letting your insurer know how much you actually spent on rental vehicles. (At which point, there may be an upward adjustment to your rate.)
For “non-owned” coverage, your rate is primarily based on how many people you employ—the more potential drivers, the higher the risk. (Makes sense, right?)
All that said, the best way to see what your rate would be is to get an estimate from Huckleberry. Check us out for affordable rates on general liability insurance, workers’ compensation, professional liability coverage, and other types of commercial auto policies, too.
Don't take our word for it
Get a quote in five minutes.
Everything's online. Everything's easy. Tap the button to get started.