Insurance term
Hired and Non-Owned Auto
Hired and non-owned auto (HNOA) covers liability when employees drive vehicles your business doesn't own for work — like rentals or their own cars. It fills a gap that standard commercial auto leaves when no company vehicle is involved. It covers liability, not damage to those vehicles themselves.
Why it matters
If a Utah employee causes a crash running a work errand in their own car, HNOA protects your business from the liability.
Related coverage: Commercial Auto →
See also