Business Auto and Hired/Non-Owned Coverage: The Gap in Most Cheap Commercial Policies

If any employee ever drives for work, including in their own car, your commercial policy needs to say so. Personal auto policies exclude business use.

Hired and Non-Owned Auto Liability

HNOA covers your business liability when an employee drives a rented or personally owned vehicle on company business. It is inexpensive and frequently omitted from budget proposals.

Symbol Selection Matters

Commercial auto coverage is defined by symbols on the declarations page. The wrong symbol can leave employee vehicles or newly acquired autos uncovered.

• Confirm liability symbols include hired and non-owned
• Verify newly acquired auto coverage
• Check drive-other-car for owners and executives

Delivery and Errands Count

Bank runs, client deliveries, and supply pickups are business use. A denied personal auto claim becomes a company liability.

Frequently Asked Questions

Does my personal auto cover me while working?

Only for ordinary commuting in most contracts. Deliveries and business errands trigger the business use exclusion.

How much does HNOA cost?

For most small businesses it is one of the least expensive lines on the commercial policy.

Talk to a Licensed Florida Agent

SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.