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Hired & Non-Owned Auto Liability (HNOA): What It Is, Who Needs It
Published January 2026 5 min read
What HNOA covers
HNOA covers your company's liability when an employee drives a personal or rented vehicle for company business and causes a third-party loss. It does not pay to repair the employee's own car — that's the employee's personal auto coverage.
Who needs it
Any business whose employees drive personal vehicles for company errands, client meetings, deliveries, or jobsite travel. It's typically inexpensive ($150–$450/year) and added by endorsement on a BOP or standalone GL.
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