Coverage
Hired & Non-Owned Auto / Commercial Auto
Covers your liability when employees drive their own cars for work, plus company-owned vehicles if you have them.
In plain language
When caregivers, nurses or therapists drive their own cars between visits, their personal auto insurance responds first. But if a serious accident exceeds their limits, or their policy excludes business use, the injured party will come after your agency.
Hired & Non-Owned Auto (HNOA) liability protects the business in that situation and when you rent vehicles. It's inexpensive and often required by contracts.
If your organization owns or leases vehicles (transport vans, company cars), you'll need a commercial auto policy, and we'll help you set up driver screening (MVR) practices carriers expect.
Typically covers
- Liability for accidents by employees driving personal vehicles on business
- Rental and hired vehicles (HNOA)
- Company-owned vehicles: liability, physical damage, uninsured motorist (commercial auto)
Usually not covered
- Damage to the employee's own car (their personal policy)
- Employees' injuries (workers' compensation)
- Transporting clients for a fee without proper disclosure (must be rated)
Coverage depends on the policy form, endorsements and exclusions. We confirm the details in writing before you buy.
By industry
Who we place auto for
FAQ
Auto questions
Our caregivers drive clients to appointments. Is that covered?
It must be disclosed and rated. Client transportation is a significant exposure and some policies exclude it. Tell us how often it happens and we'll make sure it's covered.
Should we require employees to carry certain personal auto limits?
Yes, it's a best practice. Requiring minimum personal limits (and proof each year) reduces how often your HNOA coverage is needed. We can share a sample policy.
Ready for coverage that fits how you deliver care?
Quotes in a few business days. Questions answered by Misty, not a call center.
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765