Insurance term
Hired and Non-Owned Auto (HNOA)
Hired and Non-Owned Auto (HNOA) is a type of business auto insurance that helps protect a company if it is sued because of an accident involving a vehicle it does not own. It can apply to vehicles the business rents, leases, or borrows for work, as well as employees’ personal vehicles used for business purposes.
Example
A delivery manager rents a van for a one-day job and gets into an accident while making business deliveries, so the company’s HNOA coverage may help with the claim.
Related coverage
Commercial Auto Insurance
Protect your business fleet with commercial auto insurance.
Related terms
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