HNOA insurance covers liability tied to vehicles your company does not own — rental cars at conferences, employee personal cars on errands, rideshare for client visits, and contractor delivery vehicles — and it's the auto policy enterprise customers require on every vendor COI.
Last reviewed April 24, 2026 · Reviewed by the Corgi Insurance team
HNOA is the auto policy enterprise customers require before they onboard you as a vendor. It defends the company when an employee rents a car, takes an Uber to a client meeting, or runs an errand in a personal car on the clock — the auto exposure every startup already has the moment they hire a salesperson.
Pulled from the actual form
Hired & Non-Owned Auto
What this policy pays for.
Your sales lead rents a car at a conference and rear-ends another vehicle.1
Bodily injury and property damage liability arising from the use of a rented, leased, hired, or borrowed vehicle by an employee on company business. Sits primary over the rental company's coverage where required.
An employee uses Uber for client meetings; the rideshare crashes en route.2
Liability for bodily injury or property damage tied to an employee's use of a rideshare, taxi, or other for-hire conveyance while on company business. Coordinates with the driver's commercial auto policy.
A delivery contractor's car damages a customer's loading-dock during pickup.
Liability for property damage or bodily injury arising from a contractor or courier using their personal vehicle on your behalf. Subject to MVR review and an independent-contractor endorsement.
An ops manager runs a personal-car errand on the clock and hits a pedestrian.3
Excess coverage above an employee's personal auto policy when they use their own car for a company errand — bank runs, client drop-offs, supply pickups. Triggers only when the personal policy is exhausted or denies.
A VP rents a car for an out-of-state client visit and is at-fault in an accident.
Coverage follows the insured across all 50 states and Canada when a hired vehicle is used on company business. Includes statutory minimum financial-responsibility limits in every jurisdiction.
An enterprise customer requires your COI to list a $1M HNOA limit before onboarding.
Issuance of a Certificate of Insurance naming the customer as Additional Insured, with the required $1M per-occurrence limit, satisfies the standard enterprise vendor-onboarding insurance requirement.
Hired-auto coverage is excess over any insurance maintained by the rental company unless the rental contract requires the lessee's policy to be primary; in that case, an endorsement makes the HNOA policy primary.
Rideshare and taxi liability assumes the rideshare driver carries commercial auto coverage as required by their state. The HNOA policy responds in excess of the driver's policy and any state-mandated rideshare coverage.
Personal-vehicle errands are covered in excess of the employee's personal auto policy. Employees who regularly drive on company business should maintain personal auto limits of at least $100K/$300K/$50K.
HNOA, Commercial Auto, and CGL each handle a different category of liability. Most venture-backed companies start with HNOA and add the others as their footprint grows.
Covers liability when employees, contractors, or rideshare drivers use vehicles your company does not own — rentals, personal cars on errands, rideshare for client visits, contractor delivery vehicles. Required by most enterprise vendor contracts and standard on every Corgi policy stack once you have employees who travel.
For companies that own or lease vehicles in the corporate name. Covers physical damage, comprehensive, collision, and liability on titled vehicles. Where HNOA covers vehicles you don't own, Commercial Auto covers ones you do — most early-stage startups carry HNOA only and add Commercial Auto when they title their first vehicle.
Defends the company against third-party bodily injury and property damage claims that aren't tied to a vehicle — slips and falls in your office, damage at a customer site, advertising injury. Auto-related claims are excluded from CGL, which is why HNOA stacks alongside it for any company with employees who travel.
$1M per-occurrence HNOA is the most common auto requirement in enterprise master service agreements, vendor onboarding portals, and customer COI requests. Without it, the company cannot be onboarded as a vendor — even if no employee ever drives. Corgi can issue a same-day COI naming the customer as Additional Insured.
Carriers require a Motor Vehicle Record (MVR) review for every regular driver before binding. A simple driver-acknowledgement form, a personal-auto minimum-limits requirement, and an annual MVR pull are the three controls that keep HNOA pricing predictable and avoid driver exclusions.
HNOA is designed to respond when employees rent vehicles for travel, use rideshare for client meetings, run personal-car errands on company time, or rely on independent contractors for deliveries — making it standard for SaaS, professional services, marketplaces, and any company with field-facing employees.
Liability arising from the use of a rented, leased, hired, or borrowed vehicle by an employee on company business — conferences, client visits, off-sites, business travel.
Excess coverage above an employee's personal auto policy when they use their own car for a company errand — bank runs, client drop-offs, supply pickups.
Liability tied to an employee's use of Uber, Lyft, or other rideshare on company business. Coordinates with the rideshare driver's commercial auto policy.
Liability for property damage or bodily injury arising from a contractor or courier using their personal vehicle on your behalf. Requires an independent-contractor endorsement.
Coverage follows the insured across all 50 states and Canada when a hired vehicle is used on company business. Includes statutory minimum limits in every jurisdiction.
Issuance of a Certificate of Insurance naming the enterprise customer as Additional Insured at a $1M HNOA limit — the standard enterprise vendor-onboarding requirement.
HNOA pairs naturally with CGL, Tech E&O, Cyber, EPLI, and more — modular coverage that grows with you.
Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.
Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.
Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.
Covers claims made against company leaders for alleged wrongful acts in managing the business.
Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.
Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.
Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.
Provides liability coverage when employees use rented or personal vehicles for company business.
Go deeper on HNOA and the rest of the startup insurance stack.
Key terms that appear in policy language, vendor contracts, and Certificate of Insurance requests.
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