When your employees use their own vehicles—or a rented one—for business purposes, your company may still be exposed to major financial risk. That’s where Hired and Non-Owned Auto Insurance (HNOA) steps in.

What Is Hired and Non-Owned Auto Insurance?

Hired and Non-Owned Auto Insurance provides liability coverage for vehicles your business doesn’t own but are used for work-related tasks.

• Hired autos are vehicles you lease, rent, or borrow for business.
• Non-owned autos are vehicles owned by employees or others that are used for company purposes (like running errands or meeting clients).

If an employee gets into an accident while driving their own car for work, your business could be held liable for damages or injuries. HNOA covers these potential claims, protecting your business from unexpected costs.

Why It Matters

Even if your company doesn’t own a single vehicle, you may still face auto-related risks.
For example:

• A sales rep drives their own car to visit clients.
• A manager rents a vehicle for a conference.
• A part-time employee picks up supplies using their personal car.

In each case, your business could be sued if an accident occurs during business activities. HNOA ensures you’re covered for those situations.

What HNOA Covers

• Bodily injury and property damage liability
• Legal defense costs
• Judgments and settlements (up to policy limits)

However, it doesn’t cover physical damage to the rented or personal vehicle itself — that’s typically covered under separate policies.

Who Needs It

You need HNOA if:

• Employees regularly use their personal vehicles for work.
• Your business rents or leases vehicles for temporary use.
• You want to fill gaps in coverage not included in your General Liability or Commercial Auto policies.

Get the Coverage Your Business Deserves

At Upstate’s Choice Insurance, we specialize in protecting businesses throughout South Carolina, North Carolina, and Georgia with affordable and reliable coverage options. Our independent agents can customize a commercial auto policy—including HNOA coverage—to fit your exact needs.

👉 Contact us today to protect your business from unexpected vehicle-related risks.
📍 www.upstateschoice.com