No. Hired and non-owned auto coverage protects your business from liability when an employee or owner uses a vehicle the business does not own, such as a personal car or a rental, for business purposes. The vehicle owner’s personal auto policy is generally primary, and HNOA does not cover the driver’s personal liability or physical damage to the vehicle.
Related FAQs
A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left ...
Yes, HNOA can often be added as an endorsement to an existing commercial auto or general liability policy, providing an additional layer of protection.
Yes, even occasional use of non-owned vehicles for business purposes can expose your business to significant risks. HNOA provides essential coverage for these scenarios.
