Hired & Non-Owned Auto Insurance

Liability Protection for Your Employees on the Go

Your mother always said, “buckle your seat belt.” And even when we do accidents can still happen that impact others.

Hired and Non-Owned Auto Insurance (HNO) provides protection for your company should it be sued due to an auto accident caused by one of your employees while on company business in a personal or rented vehicle. It also covers damage caused by vehicles you may rent, hire, or borrow in the course of conducting daily business-related activities.

Non-owned auto insurance is important in the event one of your employees has a serious auto accident in their own vehicle or in a rented vehicle while on company business. In these instances, your company can be held responsible.

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Which Professions Should Consider HNO Insurance? If your company fits within any of the following industries or professions, you should strongly consider HNO Insurance:

If your company fits within any of the following industries or professions, you should strongly consider HNO Insurance:

  • Retailers
  • Professional Services (Bookkeepers, Accountants, Lawyers, Consultants)
  • Personal Services
  • Real Estate Firms or Property Management Companies
  • Hospitality (motels, hotels, lodges, bed & breakfast)
  • Food Service Companies
  • Technology firms
  • Non-Profit Organizations