You don't own vehicles. You still have auto exposure.
Hired & Non-Owned Auto covers your company's liability when employees drive rented or personal vehicles for business.
- The question it answers
- “An employee crashed a rental on a work trip. Now what?”
- Typical limit
- $1Mat All stages
- Usually bought with
- General LiabilityUmbrellaWorkers' Comp
What Hired & Non-Owned Auto actually does
Most technology companies own no vehicles and conclude they have no auto exposure. That is incorrect. When an employee rents a car for a customer visit or drives their own vehicle to a conference, the company can be pulled into any resulting liability claim, and the employee's personal policy will not extend to the business.
HNOA is usually added as an endorsement to your general liability or BOP for a modest premium. It also satisfies the auto liability line that appears in nearly every enterprise insurance exhibit, which is often the practical reason it gets added.
It covers liability only — not physical damage to the rented vehicle. Rental damage is typically handled by the corporate card benefit or the rental company's waiver, which is worth confirming rather than assuming.
Buy it when
- A contract requires auto liability coverage
- You built a field sales or customer success team
- You started reimbursing mileage
What it covers
Grants vary by carrier and form. These are the components we look for when we place it.
Liability from hired vehicles
Bodily injury and property damage from vehicles rented or leased for company business.
Liability from non-owned vehicles
Company liability when employees use personal vehicles for business purposes.
Defense costs
Legal defense of the company for covered auto liability claims.
What it doesn't cover
We put this in front of you at binding — the only moment you can still do something about it.
- Physical damage to the rented vehicle itself, unless added
- Vehicles owned by the company — that requires Commercial Auto
- Personal use commuting in most circumstances
- The employee's own personal liability, which their own policy addresses
Three ways this policy earns its premium
Composite scenarios drawn from how these losses typically develop. Illustrative, not case files.
A rental accident on a customer visit
An account executive causes an injury accident in a rented vehicle between meetings. The injured party names the company. HNOA responds.
What limit is normal
Ranges we commonly see for technology companies. Your contracts and exposure decide the answer — this is where the conversation starts, not where it ends.
| Stage | Typical | |
|---|---|---|
| All stages | $1M | Endorsed to GL or BOP. Usually a few hundred dollars annually. |
Companies that need this
- Companies whose employees travel for sales or implementation work
- Companies that reimburse mileage
- Companies with contractual auto liability requirements
What we need to quote
- Number of employees who drive for business
- Whether mileage is reimbursed
- Any company-owned or leased vehicles
Most of this is collected once in the Atlas submission and reused across the markets we approach.
Start a submissionSituations that put this policy on your desk
Hired & Non-Owned Auto, answered
The waiver typically covers damage to the vehicle, not your liability to injured third parties. Those are different exposures.
Find out what hired & non-owned auto costs for your company.
Tell us about the business once. A broker reviews it the same business day and comes back with a plan and a timeline.