Hired & Non-Owned Auto Policy Feature Checklist
What to confirm in a hired & non-owned auto policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current hired and non-owned auto coverage and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Non-Owned Auto Liability | Covers the business when employees drive their own cars on company business. | Standard | |
| Hired Auto Liability | Covers rented, leased, or borrowed vehicles used for the business. | Standard | |
| Hired Auto Physical Damage | Covers damage to rented vehicles — often not included unless added. | Often limited | |
| Employees as Insureds | Confirm employees are covered while driving, not just the business — some forms protect only the employer. | Often limited | |
| Volunteers as Insureds | Confirm volunteers who drive are covered — often excluded unless endorsed. | If needed | |
| Drive-Other-Car Coverage | Covers owners or officers who use company-provided or rented vehicles and have no personal auto policy. | If needed | |
| Umbrella Scheduled over HNOA | Confirm the umbrella lists hired and non-owned auto as underlying coverage. | Often limited |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is hired auto physical damage: rented vehicles are often damaged, and many HNOA policies cover only liability. The other gap is employees' own policies — personal auto often excludes delivery or passenger use and carries low limits, leaving the business's HNOA to respond. Businesses should verify employees' insurance and confirm how HNOA applies when personal coverage is excluded.
Send us the checklist and we'll review your hired & non-owned auto coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hired & Non-Owned Auto Insurance · Hired & Non-Owned Auto Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a hired & non-owned auto policy include?
Standard features to confirm in a hired & non-owned auto policy include Non-Owned Auto Liability, Hired Auto Liability. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my hired & non-owned auto coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.