Commercial Auto Insurance
Am I Covered If Employees Drive Their Own Cars for Work?
Your commercial auto policy typically doesn’t cover employee-owned vehicles. Hired & non-owned auto (HNOA) coverage fills this gap.
Am I covered if employees use their personal cars for work tasks?
When employees drive their personal vehicles on company business — picking up supplies, visiting a job site, running a work errand — their personal auto policy is the primary coverage if they cause an accident. But their personal limits may be insufficient, and the injured party may pursue your business for the remaining damages.
Hired and non-owned auto (HNOA) coverage protects your business from liability arising out of employees’ use of non-owned vehicles for company business. It’s typically added as an endorsement to your commercial auto or GL policy at modest cost.
If any of your workers ever drive their personal vehicle for a work task, HNOA coverage is essential.
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