HIRED & NON-OWNED AUTO COVERAGE
Hired & Non-Owned Auto Insurance for Contractors
Every time an employee uses their personal vehicle for work — or you rent a truck for a job — your business is exposed. HNOA closes that gap.
- ✓ Covers liability when employees use personal vehicles for work
- ✓ Protects your business when you rent vehicles for jobs
- ✓ Critical gap most contractors miss until a claim hits
- ✓ Often added as an endorsement to your commercial auto policy
★★★★★ Rated 4.9 | 20+ Years Experience | Independent Agency
The Coverage Gap That Catches Contractors Off Guard
You have a commercial auto policy. You’re covered. Then one of your crew members drives their personal truck to pick up materials for a job, gets into an accident, and you get named in the lawsuit.
Your commercial auto policy covers vehicles your business owns. Your employee’s personal auto policy covers their personal vehicle — but with a business use exclusion that can deny claims if they were performing commercial work. Your business has no coverage for the liability exposure from that accident unless you have hired and non-owned auto insurance.
This is the exact gap HNOA is designed to fill. Hired auto coverage protects your business when you use vehicles you’ve rented or borrowed for work. Non-owned auto coverage protects your business when employees use their personal vehicles on company business — deliveries, supply runs, driving between job sites.
HNOA covers your business’s liability exposure — the bodily injury and property damage claims that result from accidents in those non-owned vehicles. It doesn’t pay to repair the vehicle (that’s a separate hired physical damage endorsement), but it protects the financial backbone of your business from the lawsuit that follows.
For most contractors, HNOA can be added as an endorsement to an existing commercial auto policy for a relatively modest additional premium. It’s one of the highest-value add-ons available — small cost, massive risk reduction.
When HNOA Coverage Triggers
Real scenarios where hired and non-owned auto coverage protects your business.
Employee Errand
Your lead carpenter drives their personal truck to pick up lumber. They rear-end someone on the way back. Your business is named in the lawsuit — HNOA responds.
Rented Work Van
You rent a cargo van for a week-long install project. Your employee gets in an accident. The rental company’s coverage won’t protect your business liability — your HNOA does.
Subcontractor’s Vehicle
If you send a sub somewhere in their vehicle on your behalf and they cause an accident, your business could be exposed. HNOA can help cover that gap.
Job Site Supply Run
An office manager or apprentice drives their own car to the supply house and gets in an accident. Without HNOA, your business has no coverage.
Why Contractors Choose Trade Safe Insurance
Independent Agency
We shop dozens of A-rated carriers to find you the best rate — not just the policy our parent company wants to sell.
20+ Years Experience
Two decades insuring contractors. We know the trades, the risks, and the coverage gaps your business can’t afford.
Same-Day COI
Need a certificate of insurance to start a job tomorrow? We issue same-day so you never lose work over paperwork.
Hard-to-Place Risks
Prior claims, SR-22s, specialty vehicles — we have markets for risks other agents turn away.
KEEP READING
Explore More About Commercial Auto Insurance
Personal vs. Commercial Auto Insurance →
What Commercial Auto Insurance Covers →
Hired & Non-Owned Auto Insurance →
Fleet Auto Insurance for Contractors →
How Much Does Commercial Auto Cost? →
DOT Requirements and Commercial Auto →
Do I Need Commercial Auto? →
Commercial Auto Insurance Guide →
GET PROTECTED TODAY
Close the Gap in Your Auto Coverage
Get a quote that includes hired and non-owned auto — don’t wait for a claim to find this gap.