Hired and non-owned auto insurance (HNOA) covers liability damages involving automobiles that your business uses for commercial purposes but doesn’t own.
HNOA coverage applies to vehicles hired for commercial use and personal vehicles that employees use for work.
For instance, if one of your employees using their personal vehicle to deliver a parcel to a client ends up hitting another car, your business can be sued for liability expenses. HNOA insurance provides coverage in such situations.