Hired and Non-Owned Auto Coverage

Business auto insurance provides coverage for vehicles owned by a business. If you utilize personal or rented vehicles for work, hired and non-owned auto coverage, often called HNOA, might be a smart decision.  This type of coverage can be added to a general liability policy or a business auto policy.

HNOA covers liability expenses for auto accidents involving vehicles that your business doesn’t but own but uses for business purposes. This can include vehicles rented by your business or your employee’s personal vehicles that they use for work errands.  It is important to note that HNOA insurance doesn’t cover accidents that happen during commutes or personal errands.  It also doesn’t cover physical damages to the non-owned vehicle; you’ll need hired physical damage cover for this exposure.

Example: One of your employees in Glenwood Springs uses their personal vehicle to drop off a business package at the post office and surrounding areas in Colorado. They cause an accident and the other driver sues your business.  HNOA can help cover the cost of medical treatment and repairs to the other vehicle. 


How much does a business auto policy cost?

Business auto premiums are based on numerous factors.  These can include: the size of the business, type of vehicles, number of vehicles, number of drivers, radius of operation and the location of your business.   

What our clients are saying:

James Dallman Avatar
James Dallman
12/24/2022 – Google
Angela Sampels has done a wonderful job for us. She has worked diligently in finding the right fit for our needs, including our autos and homeowners policies. She stays on… read more
Tina Marchini Avatar
Tina Marchini
11/24/2022 – Google
I contacted Glenwood Insurance Agency for an auto quote for my daughter who goes to school in CO. James Howell responded to my request immediately, was understanding of our needs… read more
Kaitlyn Wood Avatar
Kaitlyn Wood
4/24/2021 – Google
Everyone at glenwood insurance is amazing. It’s always a huge hassle trying to find an affordable rate for insurance, but they make it super easy. They are very professional and… read more