Commercial Auto Insurance
Is Non-Owned Auto Covered Under My General Liability Policy?
No — general liability specifically excludes auto liability. You need a commercial auto policy or a hired & non-owned auto endorsement for vehicle-related liability.
Does my general liability policy cover non-owned autos?
General liability policies contain an auto exclusion that removes coverage for bodily injury or property damage arising from the use of any automobile. This is intentional — auto liability is a separate line of insurance with separate rating factors.
The solution is hired and non-owned auto (HNOA) coverage, which can often be added to your commercial auto or GL policy as an endorsement. HNOA covers liability arising from employees using personal or rented vehicles for company business.
If your employees ever use personal vehicles for work tasks — and you don’t have commercial auto for those vehicles — HNOA is essential coverage. The endorsement typically costs $150–$500/year.
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