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Businesses face liability exposure when using vehicles they do not own. Whether a trucking company rents a truck, an employee uses their personal vehicle for business, or a contractor rents equipment for a job, the business may be legally responsible for accidents. Non-Owned and Hired Auto Insurance, commonly called HNOA, protects businesses and motor carriers from liability claims involving vehicles they do not own.
Cogo Insurance is an independent insurance agency specializing in commercial and complex risks. We arrange Non-Owned and Hired Auto Insurance for trucking companies, contractors, real estate businesses, service companies, and other commercial operations. We work with admitted carriers, surplus lines insurers, and specialty MGAs to secure proper liability protection.
We insure businesses operating from Dayton, Cincinnati, Columbus, Chicago, Aurora, Des Plaines, Philadelphia, and across Ohio, Illinois, Pennsylvania, Texas, Florida, North Carolina, Maryland, New Jersey, and New York. Non-Owned and Hired Auto Insurance protects your business from liability claims involving rented, leased, and employee vehicles.
Non-Owned and Hired Auto Insurance provides liability coverage when vehicles used for business purposes are not owned by the business.
This includes:
This coverage protects the business, not the vehicle owner. Without HNOA coverage, businesses may face liability exposure even if they do not own the vehicle involved.
Hired Auto Insurance applies to vehicles the business rents, leases, or borrows.
Examples include:
Hired Auto coverage protects against liability claims caused by rented or leased vehicles. Rental agreements often make the business responsible for damages. Insurance protects against these risks.
Non-Owned Auto Insurance applies when employees use personal vehicles for business purposes.
Examples include:
If an employee causes an accident while performing business duties, the business may be held liable. Non-Owned Auto Insurance protects the business from these claims. This coverage does not replace the employee’s personal auto insurance but protects the business itself.
Trucking companies frequently use hired and non-owned vehicles.
Examples include:
Motor carriers face liability exposure when using vehicles they do not own.
HNOA coverage protects trucking companies from liability claims.
This coverage is often required by brokers and shippers.
Many businesses outside trucking require HNOA coverage.
Examples include:
Employees frequently use personal vehicles for business purposes. Without HNOA coverage, the business faces liability exposure. Commercial package policies often include HNOA coverage.
Artisan contractors face significant auto liability exposure.
Examples include:
Even if contractors do not own company vehicles, employee vehicle use creates exposure. HNOA coverage protects contractor businesses from liability claims. This coverage is commonly included in commercial auto or business owner policies.
HNOA Insurance provides liability coverage for:
This coverage protects the business entity. It does not cover physical damage to the vehicle itself.
Physical Damage Insurance must be purchased separately if needed.
This coverage is recommended for:
If your business uses vehicles it does not own, HNOA coverage is necessary.
HNOA coverage is typically affordable.
Premium depends on several factors:
Coverage is often included in commercial auto or business owner policies.
Cogo Insurance compares multiple insurers to obtain competitive pricing.
HNOA coverage can be included in:
Cogo Insurance works with admitted carriers and surplus lines insurers.
We access:
This ensures proper coverage placement. Coverage is available for businesses of all sizes.
Cogo Insurance insures businesses across multiple states, including:
We insure businesses operating from major commercial markets including:
We help ensure compliance with commercial insurance requirements.
We work with multiple insurers to provide coverage options.
We specialize in trucking and commercial business insurance.
We ensure HNOA coverage is properly included.
We help businesses scale their operations.
We insure businesses across multiple states.
Businesses face liability exposure when using vehicles they do not own. Non-Owned and Hired Auto Insurance protects your business from financial loss arising from vehicle related liability.
Cogo Insurance arranges HNOA Insurance with admitted insurers, surplus lines carriers, and specialty MGAs.
To request a quote, Contact Cogo Insurance using the contact form in the menu.
It provides liability coverage for vehicles used by your business but not owned by your business.
Yes, coverage applies when employees use personal vehicles for business purposes.
Yes, hired auto coverage protects rented and leased vehicles.
It is often required by contracts and recommended for liability protection.
No, HNOA covers liability only. Physical Damage Insurance covers vehicle damage.
Yes, trucking companies using hired or leased vehicles should carry HNOA coverage.
Yes, contractors using employee vehicles should carry HNOA coverage.
Contact Cogo Insurance using the contact form to request a quote.
