Hired & Non-Owned Auto Insurance (HNOA) in California
Coverage for the gap most businesses don't know they have — liability when employees drive their own cars, or you rent vehicles, for company business. Even if you own no company vehicles.
Commercial policies are quoted by a licensed agent — call or text with your vehicles, business type, and driver count for a fast quote. No online form needed.
In short
Hired & non-owned auto insurance (HNOA) protects your business when someone drives a vehicle the business doesn't own for work — an employee running an errand in their own car, or a rented van for a job. If they cause an accident, the business can be sued even though the car isn't yours. HNOA is inexpensive, often added to a commercial auto or business policy, and Auto World can place it across multiple California carriers.
What commercial auto insurance covers
Non-owned auto liability
Covers the business's liability when an employee drives their own vehicle for company business and causes an accident.
Hired auto liability
Covers liability for vehicles your business rents, leases, or borrows for work.
Pairs with your other coverage
HNOA is commonly added to a commercial auto policy or a business owners policy (BOP) to close the employee-driving gap.
Certificates of insurance (COIs)
Some contracts require evidence of non-owned auto coverage — we can show it on your certificate.
Who needs it
Businesses with no company vehicles
If staff ever drive their own cars for work — bank runs, supply pickups, client visits — you have exposure.
Companies that rent vehicles
Renting a van or truck for a job creates hired-auto liability HNOA covers.
Sales & real estate teams
Agents driving their own cars to showings and meetings on company time.
Offices that send staff on errands
Even occasional errands in personal cars expose the business.
Delivery via employee cars
Business-directed delivery in employees' own vehicles (different from gig rideshare on a personal policy).
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Why Auto World for commercial coverage
Inexpensive coverage that closes a major small-business gap.
Added to a commercial auto policy or written to stand alongside your BOP.
Multiple California carriers compared.
Certificates of insurance showing non-owned coverage for contracts.
Same-day proof of insurance, CA broker license #6005606.
Spanish-speaking agents available.
Frequently asked questions
What exactly is hired & non-owned auto insurance?▾
Do I need it if my business has no vehicles?▾
Does HNOA cover damage to the employee's own car?▾
How is this different from rideshare/delivery on my own car?▾
How much does HNOA cost?▾
More commercial coverage
Ready to insure your work vehicles?
A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.