Hired and Non-Owned Auto Insurance in Georgia

Many businesses use vehicles that they do not own to carry out their operations. A business may rent a van to transport tools, use an employee’s car to visit customers, or ask a worker to make a delivery in their own vehicle.

Even when the vehicle does not belong to the business, the company may still face liability for an accident that occurs during a business activity. Under certain circumstances, an injured person or the owner of damaged property could file a claim against the business, the driver, or both.

For this reason, some businesses consider coverage known as:

Hired Auto Liability, for rented or leased vehicles.
Non-Owned Auto Liability, for vehicles the business uses but does not own.
Hired and Non-Owned Auto Insurance, commonly known as HNOA coverage.

This coverage is generally related to the business’s liability exposure. It should not be confused with insurance that protects the rented vehicle itself or with the vehicle owner’s personal auto insurance.

Important: This article is for educational purposes and does not constitute legal advice or a personalized insurance recommendation. Coverage depends on the policy, its limits, exclusions, endorsements, and conditions. Speak with a licensed insurance agent to review your business’s specific needs.

What Does “Hired and Non-Owned Auto” Mean?

The term describes two different categories of vehicles.

Hired Autos

Hired autos are vehicles that a business uses temporarily but that belong to another person or company.

Examples include:

A van rented for a commercial move.
A car rented to visit customers.
A van rented to make deliveries.
A truck rented to transport materials.
A replacement vehicle used for several days.
A vehicle rented during a high-demand season.

These vehicles are commonly referred to as hired autos.

Non-Owned Autos

Non-owned autos are vehicles used by the business for commercial activities but not owned by the company.

Examples include:

An employee’s personal car.
A business partner’s vehicle.
A borrowed automobile.
An independent contractor’s vehicle.
A vehicle personally owned by the business owner.
A vehicle used occasionally for a delivery.

These vehicles are commonly referred to as non-owned autos.

What Is Hired and Non-Owned Auto Insurance?

Hired and Non-Owned Auto Insurance, or HNOA, is commercial coverage that may help protect a business’s liability when it uses hired or non-owned vehicles for business-related activities.

Generally, it may respond to certain claims involving:

Bodily injury to third parties.
Property damage to third parties.
Accidents during business activities.
Use of a rented vehicle.
Use of an employee’s personal vehicle.
Deliveries made for the business.
Visits to customers.
Transportation of tools or supplies.

The coverage generally protects the business against certain liability claims. It does not automatically mean that:

The rented vehicle is covered for physical damage.
The employee’s personal automobile is protected.
All transported merchandise is insured.
Any driver is authorized.
Every business activity is covered.
The driver no longer needs personal insurance.

The exact scope depends on the policy and the endorsement purchased.

Why Might a Business in Georgia Need This Coverage?

A business may face liability even when it does not own the vehicle being used.

For example, an employee uses their personal automobile to make a delivery and causes an accident during the workday. The injured person may attempt to bring a claim against:

The driver.
The vehicle owner.
The business.
The company that hired the service.
Other involved parties.

HNOA coverage may be considered a way to reduce the business’s exposure in certain situations. However, it does not automatically eliminate the driver’s liability or replace the coverage that the vehicle owner should maintain.

Difference Between Owned, Hired, and Non-Owned Autos

Vehicle type	Owner	Example	Coverage that may need to be reviewed
Owned auto	The business	A van registered in the company’s name	Commercial auto insurance
Hired auto	A rental company or third party	A van rented for one week	Hired Auto Liability and physical damage
Non-owned auto	An employee, owner, or third party	A personal car used for a delivery	Non-Owned Auto Liability
Borrowed vehicle	Another person or company	A truck borrowed to transport materials	Liability coverage and permission to use
Contractor vehicle	An independent contractor	A vehicle used to deliver products	Contractor’s coverage and HNOA, depending on the situation

Each category may have different coverage rules.

What May Hired and Non-Owned Auto Insurance Cover?

Liability for Bodily Injury to Third Parties

If a driver uses a hired or non-owned vehicle for a business activity and causes a covered accident, the policy may help respond to certain bodily injury claims made by third parties.

This may include:

Medical expenses claimed by the injured person.
Compensation for injuries, when applicable.
Legal expenses.
Covered settlements.
Covered judgments.
Defense costs, according to the policy.

Coverage is subject to the limits, conditions, and exclusions stated in the policy.

Liability for Property Damage

It may also help with certain property damage caused to third parties, such as:

Another vehicle.
A home.
An office.
A fence.
A door.
A utility pole.
A commercial building.
A customer’s equipment or facilities.

It does not necessarily cover damage to the hired or non-owned vehicle that the business was using.

Accidents During Customer Visits

An employee may use a personal vehicle to:

Visit customers.
Present a proposal.
Inspect a property.
Deliver documents.
Obtain signatures.
Perform an evaluation.
Transport samples.

If an accident occurs during a business activity authorized by the company, the business may have a commercial liability exposure.

Accidents During Deliveries

Businesses may use non-owned vehicles to deliver:

Food.
Packages.
Tools.
Materials.
Documents.
Products.
Equipment.
Supplies.

Before allowing these activities, the business should review the driver’s personal policy and the commercial coverage available.

Occasional Use of Hired Vehicles

Some companies rent vehicles only occasionally, such as:

During a business move.
For a specific project.
When an owned vehicle is being repaired.
During a high-demand season.
To transport equipment to a trade show or event.

Even if the use is temporary, the business should inform its agent before renting the vehicle.

What Does HNOA Coverage Typically Not Cover?

One of the most common misunderstandings is thinking that HNOA protects every aspect of a hired or non-owned vehicle. In many cases, this coverage focuses on the business’s liability and not on physical damage to the vehicle.

It may not automatically cover:

Damage to a rented vehicle.
Theft of a rented vehicle.
Damage to an employee’s personal automobile.
Lost merchandise.
Tools inside the vehicle.
Business equipment.
Transported property.
Unauthorized drivers.
Personal use of the vehicle.
Intentional damage.
Excluded activities.
Fines or penalties.
Normal wear and tear.
Breach of a rental agreement.

The exact coverage must be confirmed in the policy.

Difference Between Liability Coverage and Physical Damage Coverage

Liability Coverage

Liability coverage may respond when the business is legally responsible for bodily injury or property damage caused to third parties.

Example:

An employee uses their car to visit a customer and hits another vehicle. Liability coverage may help respond to damage caused to that third party if the claim is covered.

Physical Damage Coverage

Physical damage refers to damage to the vehicle being used.

Examples include:

The rented van is involved in an accident.
The rental car is stolen.
The hired vehicle is vandalized.
A rented van is damaged by a storm.

HNOA coverage does not necessarily pay for this damage. For a hired vehicle, you may need to review:

Physical damage coverage under the rental agreement.
The business’s commercial policy.
Coverage offered by the rental company.
Specific coverage for hired vehicles.
The applicable deductible.
Administrative charges.
Loss-of-use charges.

Is Rental Vehicle Insurance Enough?

Rental companies may offer protection options when you rent a vehicle. These options may have different purposes and conditions.

Before accepting or declining rental company protection, review:

What damage it covers.
Who is insured.
What limits apply.
The deductible.
Whether theft is covered.
Whether loss of use is covered.
Whether administrative charges are covered.
Whether liability is covered.
Whether commercial use is allowed.
Whether all drivers are covered.
Whether certain types of vehicles are excluded.

The rental agreement and the business policy may interact in different ways. You should not assume that one completely replaces the other.

Does an Employee’s Personal Insurance Cover Business Use?

An employee’s personal auto insurance may have limitations for commercial activities.

Some personal policies may cover certain occasional uses but exclude or limit:

Deliveries.
Transportation of merchandise.
Passenger transportation for payment.
Regular income-generating use.
Courier activities.
Use of the vehicle for multiple customers.
App-based deliveries.
Transportation of third-party products.

The business should ask the employee to confirm with their insurer whether the policy allows commercial use. However, the employee’s personal policy should not be considered the business’s only protection.

What Is Non-Owned Auto Coverage?

Non-owned auto coverage may help protect a business when its employees or representatives use vehicles that the company does not own.

It may apply to situations such as:

An employee uses a personal car to deliver documents.
The owner uses a personal vehicle to visit customers.
A worker transports tools to a job site.
An employee picks up supplies.
A driver makes an authorized delivery.
A worker transports business products.

This coverage generally focuses on the business’s liability, not on repairing the employee’s automobile.

What Happens If the Business Owner Uses a Personal Vehicle?

In many small businesses, the owner uses a personal automobile for business activities.

Examples include:

Traveling to a job site.
Visiting customers.
Picking up materials.
Transporting documents.
Delivering products.
Carrying tools.
Supervising different locations.

Even if the vehicle is personally registered, business use may create a commercial exposure. The owner should disclose this activity to both the personal insurer and the commercial insurance agent.

What Happens If an Employee Uses a Personal Vehicle?

The business should analyze several factors:

Whether the use is occasional or frequent.
Whether the employee receives mileage reimbursement.
Whether the vehicle is used for deliveries.
Whether it transports tools or merchandise.
Whether the employee transports customers.
Whether the business controls the route.
Whether the employee is paid hourly or works under a contract.
Whether the use is authorized in writing.
What limits the personal policy provides.
Whether the commercial policy includes HNOA.

It is not recommended to allow employees to make commercial deliveries without first defining the rules for vehicle use and the applicable coverage.

What Happens If the Driver Is an Independent Contractor?

Independent contractors may use their own vehicles to provide services to a business. In that case, the company should review:

The agreement between the parties.
The contractor’s classification.
The contractor’s commercial auto coverage.
Liability limits.
Listed vehicles.
Claims history.
Certificates of insurance.
Indemnification obligations.
Customer requirements.

The business may request a Certificate of Insurance showing that the contractor maintains active coverage.

However, a certificate does not modify the policy or expand coverage. If specific protection is required, a corresponding endorsement may need to be requested.

Certificate of Insurance for Hired and Non-Owned Autos

A customer may request evidence that the business has hired and non-owned auto coverage.

The certificate may show information such as:

Name of the insured.
Insurance company.
Policy number.
Effective dates.
Liability limits.
Listed coverages.
Certificate holder’s name.

The customer may also request:

Additional Insured status.
Primary and Non-Contributory wording.
Waiver of Subrogation.
Specific minimum limits.
Evidence of HNOA coverage.
Cancellation notice, when available under the policy.

These requirements should be compared with the contract and the actual policy.

What Does Additional Insured Mean?

An Additional Insured is a person or entity that may receive certain rights under a policy through an endorsement.

A customer may ask to be added as an Additional Insured when hiring a business to provide delivery, service, or transportation work.

Inclusion should not be assumed automatically. The endorsement may:

Apply only to certain operations.
Have specific limits.
Include exclusions.
Apply only during the contract period.
Require a formal request.
Not cover every liability assumed under the contract.

The business should provide the agent with the exact contract so the appropriate endorsement can be reviewed.

Primary and Non-Contributory

Some contracts require the provider’s insurance to be:

Primary, meaning it responds first.
Non-Contributory, meaning the customer’s policy does not contribute before the provider’s required coverage is used.

This condition should not be added merely by writing it on a certificate. It may generally require a specific endorsement approved by the insurer.

Waiver of Subrogation

A Waiver of Subrogation may limit certain rights of the insurance company to recover payments from a specific party after a claim.

Some customers or general contractors request it as a contractual condition.

Availability depends on:

The policy.
The type of operation.
The insurance company.
The contract.
The relationship between the parties.
The endorsement available.

Businesses That May Consider HNOA Coverage

Construction Contractors

Contractors may use employee vehicles to transport:

Tools.
Materials.
Small equipment.
Documents.
Supplies.
Replacement parts.

Delivery Businesses

Delivery businesses may rely on employee or contractor vehicles to deliver:

Food.
Packages.
Products.
Medications.
Merchandise.

Restaurants

Restaurants may allow employees to use their own vehicles to make deliveries to customers.

Cleaning Companies

Workers may use personal vehicles to transport cleaning products and equipment between different locations.

Maintenance Companies

A technician may drive a personal or rented vehicle to visit customers and transport tools.

Technology Companies

Technicians may travel to customer offices with equipment, devices, and replacement parts.

Sales Companies

Sales representatives may use personal vehicles to visit customers, attend meetings, and make presentations.

Landscaping Companies

Employees may use non-owned vehicles to transport supplies, small tools, or materials.

Event Businesses

Event companies may rent vehicles to transport equipment, decorations, and supplies.

Moving and Transportation Businesses

A company may rent trucks or vans to supplement its fleet during periods of higher demand.

HNOA for Small Businesses

Small businesses may think this coverage is only necessary for large corporations. However, a small company may also face significant claims after an accident.

A small business may use non-owned autos to:

Go to the bank.
Purchase supplies.
Visit customers.
Make deliveries.
Transport tools.
Pick up materials.
Carry documents.
Provide in-home services.

The size of the business does not eliminate the risk. What matters is how vehicles are used and who performs the business activities.

How Much Does Hired and Non-Owned Auto Insurance Cost?

The price depends on several factors, and there is no single rate for every business in Georgia.

The insurance company may consider:

Type of business.
Number of employees.
Number of drivers.
Frequency of use.
Type of vehicles used.
Operating radius.
Number of miles driven.
Type of merchandise.
Local or interstate use.
Claims history.
Selected limits.
Business activities.
Customer contracts.
Company experience.
Additional coverages.
Deductibles.
Insurance history.

A company that occasionally uses a vehicle to visit customers may receive a different risk evaluation from a company that uses several vehicles to make daily deliveries.

Request a quote based on the business’s actual operations.

Factors That May Affect the Premium

Frequency of Use

Daily use may represent greater exposure than occasional use.

Number of Drivers

The more people who drive for the business, the more information the insurer may request.

Driving History

Accidents, violations, and claims may affect underwriting.

Type of Activity

A business transporting documents may have a different exposure from one transporting high-value merchandise.

Distance Traveled

Local operations may be evaluated differently from interstate or long-distance routes.

Type of Vehicle

A pickup truck, van, car, and commercial truck may receive different risk evaluations.

Liability Limits

Higher limits may affect the premium but may be necessary to satisfy contracts and better protect the business.

Claims History

Prior claims may influence the insurer’s evaluation.

Requirements and Rules in Georgia

Vehicles operating in Georgia must comply with insurance requirements applicable to their registration and use. However, the driver’s personal minimum insurance may not be enough to cover a business’s commercial liability.

Additional requirements may exist when:

The vehicle is used for deliveries.
The business transports merchandise.
The vehicle exceeds a certain weight.
The business crosses state lines.
Passengers are transported.
The business operates under specific contracts.
Trucks or trailers are used.
The activity is regulated by state or federal authorities.

Requirements may vary depending on the operation. A licensed agent can help identify which coverage should be reviewed for the business.

Does HNOA Replace Commercial Auto Insurance?

Not necessarily.

HNOA coverage may be useful for hired and non-owned vehicles, but it does not automatically replace insurance for vehicles owned by the business.

If a company owns a pickup truck, car, or van registered in the business’s name, it generally needs to review commercial auto insurance for those units.

The policy may need to combine:

Insurance for owned autos.
Hired Auto Liability.
Non-Owned Auto Liability.
Physical damage coverage.
Uninsured motorist coverage.
Trailer coverage.
Cargo coverage.
Appropriate liability limits.

Is HNOA the Same as Personal Auto Insurance?

No.

A personal auto policy is primarily designed for personal and family use. HNOA is commercial coverage related to a business’s liability exposure.

The personal policy may protect the vehicle owner according to its terms. HNOA may help protect the business in certain situations. Both policies may be involved depending on the facts, policy language, and applicable law.

Does HNOA Cover the Driver?

You should not assume that HNOA automatically covers the driver in every respect.

The coverage may be primarily designed for the business’s liability. The driver may need:

A valid driver’s license.
Permission to drive.
Current personal insurance.
Compliance with company requirements.
Authorization to use the vehicle.
Compliance with policy rules.

The agent should explain who qualifies as an insured, which individuals are covered, and what exclusions apply.

Does the Policy Cover Tools and Equipment?

HNOA coverage generally should not automatically be considered insurance for tools or equipment inside the vehicle.

If an employee transports:

Tools.
Computers.
Work equipment.
Materials.
Instruments.
Electronic devices.

The business may need to review:

Commercial Property Insurance.
Inland Marine Insurance.
Contractor’s Equipment Insurance.
Off-premises property coverage.
Property-in-transit coverage.

Each policy may have a different definition of covered property.

Does the Policy Cover Transported Merchandise?

Not necessarily.

Liability for merchandise may depend on:

Who owns the property.
What type of product is transported.
Whether the business assumed contractual responsibility.
Whether the product was lost, stolen, or damaged.
Whether the merchandise was in transit or being stored.
Whether exclusions apply.
Whether cargo coverage is required.

HNOA insurance and cargo insurance protect different exposures.

What to Do Before Renting a Vehicle for the Business

Before signing the rental agreement:

Contact your insurance agent.
Identify the type of vehicle you intend to rent.
Explain how it will be used.
Confirm whether the policy includes Hired Auto Liability.
Ask about physical damage.
Review the deductible.
Read the rental agreement.
Confirm who may drive.
Verify that commercial use is permitted.
Ask about the rental company’s coverage.
Review loss-of-use charges.
Keep all documents.

Do not wait until an accident occurs to discover that the rental agreement contained an exclusion.

What to Do Before Allowing an Employee to Use a Personal Vehicle

The business may establish a written personal vehicle policy.

The policy may include:

Who may drive for the business.
Which activities are authorized.
License requirements.
Driving record reviews.
Minimum personal insurance requirements.
Prohibition on transporting unauthorized passengers.
Prohibition on unapproved vehicle use.
Accident reporting procedures.
Maintenance requirements.
Cell phone rules.
Mileage reimbursement.
Employee responsibilities.

The policy should be reviewed with appropriate professionals to avoid conflicts with employment or contract laws.

Documents the Insurer May Request

To prepare a quote, the insurance company may request:

Business Information

Legal name.
Trade name.
Address.
Phone number.
Entity type.
Start date.
Description of operations.
Estimated revenue.
Number of employees.
States where the business operates.
Owner information.

Hired Vehicle Information

Type of vehicle.
Estimated value.
Rental duration.
Rental frequency.
Rental location.
Intended use.
Type of merchandise.
Operating radius.

Non-Owned Vehicle Information

Vehicle owner.
Driver.
Frequency of use.
Type of activity.
Average distance.
Employee insurance requirements.
Accident history.
Personal policy limits.

Contract Information

Customer contracts.
Insurance requirements.
Required limits.
Requested endorsements.
Previous certificates.
Indemnification agreements.
Additional Insured requirements.

Common Mistakes When Using Hired and Non-Owned Autos

Assuming Personal Insurance Automatically Covers the Business

The driver’s personal policy may not cover the business’s liability.

Failing to Disclose Commercial Use

The insurer must know how the vehicle is actually used.

Declining Rental Vehicle Protection Without Reviewing the Policy

HNOA coverage may focus on liability and not necessarily physical damage.

Confusing HNOA with Cargo Insurance

Insurance for hired and non-owned vehicles does not always cover transported merchandise.

Allowing Anyone to Drive

Rental agreements and policies may restrict who is permitted to drive.

Failing to Review the Rental Agreement

The business may assume responsibility for damage, loss of use, or administrative charges.

Failing to Verify Employees

The company should confirm that drivers have valid licenses and meet internal requirements.

Failing to Request Certificates from Contractors

A contractor should demonstrate that they maintain the required coverage.

Using a Vehicle for a Different Activity

The policy may classify the risk according to the business activity originally disclosed.

Failing to Update the Policy

You should report changes in drivers, routes, frequency, vehicles, or business activities.

Business Checklist

I identified the hired vehicles used by my business.
I identified the non-owned vehicles used by my employees.
I disclosed commercial use to my agent.
I reviewed Hired Auto coverage.
I reviewed Non-Owned Auto coverage.
I confirmed liability limits.
I reviewed policy exclusions.
I asked about physical damage.
I reviewed rental agreements.
I confirmed who is allowed to drive.
I reviewed employees’ personal auto insurance.
I implemented a personal vehicle policy.
I verified drivers’ licenses.
I reviewed cargo coverage.
I analyzed coverage for tools and equipment.
I requested certificates from contractors.
I reviewed customer contracts.
I confirmed Additional Insured requirements.
I asked about Primary and Non-Contributory wording.
I asked about Waiver of Subrogation.
I reviewed accident procedures.
I updated the policy when the operation changed.

Frequently Asked Questions

What is hired and non-owned auto insurance?

It is commercial coverage that may help protect a business’s liability when it uses hired vehicles or vehicles it does not own for business activities.

Do Hired Auto and Non-Owned Auto mean the same thing?

No. Hired Auto generally refers to rented or leased vehicles. Non-Owned Auto generally refers to vehicles used by the business that belong to employees, contractors, or other people.

Does HNOA cover damage to a rented vehicle?

Not necessarily. HNOA coverage may focus on the business’s liability. Physical damage to the rented vehicle may require other coverage or specific protection.

Does the policy cover an employee’s personal vehicle?

It may help with the business’s liability in certain situations, but it generally does not automatically repair the employee’s personal vehicle.

Can I use HNOA for a business with one employee?

A small business may consider this coverage if it uses hired or non-owned vehicles. The need depends on the company’s actual activities.

Are independent contractors automatically covered?

No. The contract, policy, relationship between the parties, and the contractor’s insurance determine how coverage may apply.

Does HNOA cover deliveries?

It may cover certain liability exposures related to deliveries, but you should confirm that deliveries are included and that no exclusion applies.

Does insurance cover tools inside a rented vehicle?

Not necessarily. Tools and equipment may require commercial property insurance, Inland Marine insurance, or contractor’s equipment coverage.

Does insurance cover transported merchandise?

Not always. Merchandise may need cargo, goods-in-transit, or another specific policy depending on the product and the responsibility assumed.

Do I need HNOA if my business already has commercial auto insurance?

It depends on the vehicles used by the business. A commercial auto policy may cover owned vehicles, while HNOA may be needed for hired or non-owned vehicles.

Can I obtain coverage for a rental vehicle for one day?

Availability depends on the policy and insurer. Contact your agent before renting the vehicle and explain the commercial use.

Does rental company protection replace HNOA?

Not necessarily. The coverages may have different purposes, limits, and exclusions.

Can I use the business owner’s personal vehicle for deliveries?

The vehicle may be used, but you should disclose the commercial use and confirm the applicable personal and commercial coverage.

What happens if an employee has an accident while working?

Liability may depend on the facts, authorized activity, policies in effect, coverage limits, and applicable law.

Does a Certificate of Insurance prove that I have HNOA coverage?

It may show that a listed coverage exists, but it does not replace the policy or modify its conditions. The certificate should be reviewed together with the policy and applicable endorsements.

How much does this coverage cost in Georgia?

The price depends on the type of business, number of drivers, frequency of use, limits, claims history, vehicles, and business activities. A personalized quote is required.

Request a Quote in Georgia

At top insurance llc, we help businesses in Georgia review their insurance options for owned, hired, and non-owned vehicles.

We can help you analyze:

Hired Auto Liability.
Non-Owned Auto Liability.
Hired and Non-Owned Auto coverage.
Commercial auto insurance.
General liability insurance.
Owned vehicle coverage.
Hired vehicle coverage.
Employee vehicle coverage.
Contractor insurance.
Cargo coverage.
Tools and equipment insurance.
Certificates of Insurance.
Additional Insured requirements.
Liability limits and deductibles.
Commercial coverage for small businesses.

Get Information and a Quote

Auto Insurance: auto.topinsus.com
Commercial Insurance: comercial.topinsus.com
General Quotes: cotiza.topinsus.com
Phone: 877-579-0587
Website: www.topinsus.com

top insurance llc serves businesses in Duluth, Lawrenceville, and other areas of Georgia, as well as clients in Florida, Tennessee, Indiana, South Carolina, Alabama, and Texas.

Conclusion

Hired and non-owned auto insurance in Georgia may be important for businesses that use vehicles belonging to employees, contractors, owners, or rental companies.

Before using a vehicle for a business activity:

Disclose the vehicle’s actual use.
Identify whether the vehicle is owned, hired, or non-owned.
Review Hired Auto coverage.
Review Non-Owned Auto coverage.
Confirm liability limits.
Ask about physical damage.
Review the rental agreement.
Verify the drivers.
Analyze employees’ personal auto insurance.
Review cargo coverage.
Protect tools and equipment with the appropriate policy.
Request certificates from contractors.
Review customers’ contractual requirements.
Update the policy whenever the operation changes.

The right coverage should reflect how your business actually operates: who drives, which vehicles are used, what is transported, how often the vehicles are used, and where the business provides services.

Hired and non-owned auto liability coverage does not necessarily protect every type of vehicle damage or all transported property. For this reason, it is important to review the complete operation with a licensed insurance agent.

Important Notice: The information in this article is educational and does not constitute legal, tax, or personalized insurance advice. Limits, requirements, prices, exclusions, and conditions may change. Coverage depends on the policy contract, the information submitted to the insurer, and underwriting approval.

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