Your business doesn't have to own a vehicle to be sued over one. When an employee crashes while running an errand in their own car — or in a rental car you paid for — the injured party can name your company. Hired and non-owned auto (HNOA) coverage defends and pays for that liability.
Typical annual premium (planning range, not a quote)Often a few hundred dollars to about $1,500/yr when added to a business policyRun the cost estimator →
What HNOA covers
- Liability claims against your business arising from employees using their personal vehicles for work (non-owned).
- Liability arising from vehicles your business rents, leases short-term, or borrows (hired).
- Defense costs for those claims.
What it doesn't cover
- Damage to the employee's own car — that's their personal policy.
- Vehicles your business owns (those need a full commercial auto policy).
- Physical damage to rentals, unless hired-auto physical damage is added.
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Get quotes Check a DOT/MC numberFrequently asked questions
Can I buy HNOA without owning any vehicles?
Yes. Many carriers add HNOA to a general liability or business owner's policy, which is common for offices, consultants and service businesses with no company vehicles.
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Reviewed October 2026. General information only — not insurance or legal advice. Coverage terms vary by insurer and state.