Do I need hired and non-owned auto (HNOA) coverage?

Hired and non-owned auto (HNOA) covers your business liability when employees use their personal vehicles for work or when you rent vehicles for business. It does not cover physical damage to the employee's vehicle; the employee's personal auto does that. HNOA is one of the most common coverage gaps we see in Georgia small businesses. If you have sales reps driving personal cars to client meetings, delivery people using their own vehicles, or rent cars for business trips, you need HNOA added to your BOP or commercial auto policy.