The vehicles you don't own can still create the liability you do.
Liability protection for vehicles you use but don't own
Hired and Non-Owned Auto (HNOA) coverage protects your business against liability arising from vehicles it does not own but uses for business purposes — rented or hired vehicles, and employees' personal vehicles driven on company errands.
Many owners assume a personal auto policy or a standard commercial auto policy handles this. It usually does not. When an employee causes an accident running a work errand in their own car, the injured party often looks to the business — and HNOA is the coverage that responds.
What Hired & Non-Owned Auto Covers
Hired and Non-Owned Auto coverage typically responds to:
Hired Auto Liability — bodily injury and property damage your business becomes liable for while using rented, leased, or borrowed vehicles.
Non-Owned Auto Liability — claims arising when employees use their personal vehicles for company business, such as deliveries, errands, or client visits.
Legal Defense Costs — attorney fees and settlement expenses tied to covered accidents.
Who Needs Hired & Non-Owned Auto
HNOA is important for almost any business whose people drive on the job, including:
Companies that rent or hire vehicles occasionally
Businesses whose employees run errands or make deliveries in their own cars
Home-service, sales, and field-based operations
Any business that reimburses staff for mileage
What It Does Not Cover
HNOA is liability-only coverage. It does not pay for physical damage to the hired or personal vehicle itself, and it does not replace the vehicle owner's own auto policy. Damage to a rented vehicle is typically addressed through Physical Damage coverage or the rental agreement.
Our Approach
At Cory Washington & Co., Hired & Non-Owned Auto coverage is never a checkbox. We evaluate how your business actually operates, review your contracts and exposures, and structure coverage to perform in the real world — not just to satisfy a minimum. Licensed in all 50 states, we place Hired & Non-Owned Auto coverage through admitted carriers and specialty markets that compete for your account, then explain the trade-offs in plain English so you can decide with confidence.
Related trucking & auto coverage: Commercial Auto · Physical Damage · Bobtail · Non-Trucking Liability.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Frequently Asked Questions
How do I get hired & non-owned auto insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate hired & non-owned auto insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What drives the cost of hired & non-owned auto insurance?
There is no flat rate. The cost of hired & non-owned auto insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Do I need hired & non-owned auto insurance?
Whether hired & non-owned auto insurance is strictly required depends on your state, your contracts, and your lenders or clients. Even where it is not mandatory, going without it can leave serious financial gaps. We assess your exposure and any contractual requirements, then structure coverage that meets both.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.