What Is HNOA (Hired/Non-Owned Auto) Coverage?

Hired/non-owned auto coverage is important for most companies, but is often overlooked.

Imagine you’re a solar developer about to close a land deal on a 50 megawatt solar project… You’re on your way to sign the final paperwork with the property owner and your top salesperson. It's a big opportunity and you can literally see the notice to proceed (NTP) date on the calendar.

But the salesperson doesn’t show up. Then you get a call. The salesperson was in a bad car accident. Luckily the salesperson isn't injured, but three people in other vehicles were sent to the hospital.

As a result, chances are that not only are you not going to get this deal signed, but the people at the hospital file lawsuits against your company costing hundreds of thousands of dollars because the salesperson ran a red light and was speeding to make it to the meeting on time.

This situation may have been avoided with HNOA, also known as hired non-owned auto.

HNOA protects your company if you hire vehicles (such as a rental car, etc.) or you use non-owned vehicles, such as employees using their own vehicles for day to day work activities, in the course of business.