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Why do you need hired and non-owned auto coverage?

Why do I need hired and non-owned auto coverage? You need HNOA coverage because your business could be held liable if you or an employee is involved in an accident while driving for work purposes. Using rented, hired or personal non-owned vehicles for work-related purposes exposes your business to risks.

What is an example of a non-owned auto?

Hired and non-owned auto is a commercial auto coverage that extends your auto liability coverage to vehicles that arent owned by your business, but are used for your business tasks. These can include hired vehicles, rented, leased, or borrowed to perform business operations.

What is the difference between owned autos and scheduled autos?

Youve got all owned autos, essentially vehicles of the company whether used by employees or by others with permission. Then we have scheduled autos, these are the vehicles of the company specifically scheduled or in another words listed on the policy.

What are non-owned vehicles?

Non-owned vehicles are personal cars that your business doesnt own, lease or hire. Non-owned auto coverage helps provide liability protection if a vehicle you havent leased, hired or rented is driven for your business and is in an accident.

What is included in non-owned autos under the business auto coverage form?

Non-owned. Autos Only Only those autos you do not own, lease, hire, rent or borrow that are used in connection with your business.

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