What is hired and non-owned auto and does my Georgia business need it?

Hired auto covers vehicles you rent or borrow for business use. Non-owned auto covers employees using their personal vehicles for business errands. Both are missed by businesses without company-owned vehicles. If your team drives personal cars to client sites or if you rent vehicles for business travel, you have this exposure. A HNOA endorsement typically costs $200 to $500 per year.