Coverages / Hired and non-owned auto
HNOA · 10 of 37 trades
Hired and non-owned auto
Liability when employees drive their own cars or rented vehicles on company business. Not required by law; commonly added to GL or auto.
- 1Trades carrying it 10 of 37
- 2Highest injury rate 8.5 per 100
- 3Lowest of them 1.5 per 100
- 4Typical requirer Trades whose staff drive p
What it is for
When an employee drives their own car to pick up parts, or you rent a truck for a week, the business can be sued for an accident even though it owns no vehicle in the chain. Hired and non-owned auto liability fills that gap. It is cheap, it is often endorsed onto a general liability or commercial auto policy, and it is the line most often missing from a small business that "has no company vehicles".
How it is bought
Trades that carry hired and non-owned auto
Trades whose staff drive personal vehicles for work. On this site, 10 of 37 trades list it, from local messengers and local delivery at 8.5 recordable cases per 100 workers to security guards and patrol services at 1.5.
What to ask a broker
- What the policy excludes that your work actually involves.
- Which contracts or licences require this line and the limit they name.
- Whether it is a standalone policy or an endorsement, and what the deductible is.
Coverage descriptions are editorial. Legal figures: 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Injury rates: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers. Checked 2026-10-23.