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Hired & non-owned auto coverage (HNOA)
Published 2026-06-12 · by Brokly
In plain terms: Covers your business's liability when employees drive rented or personal vehicles for work — vehicles the business uses but doesn't own.
Why it matters to you
When an employee runs a work errand in their own car and causes a crash, the injured party can come after the business. The employee's personal policy wasn't built for that — HNOA is.
Where you’ll see it
Often added to a general liability policy or a BOP rather than bought alone; contracts sometimes require it by the HNOA initials.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.