Do I need HNOA if my employees rarely use non-owned vehicles?

A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left ...

Yes, HNOA provides liability coverage when you use your personal vehicle for business tasks. However, it does not cover physical damage to your vehicle.

Yes, HNOA can often be added as an endorsement to an existing commercial auto or general liability policy, providing an additional layer of protection.