What is hired & non-owned auto coverage?
Edited
Hired and non-owned auto coverage (often abbreviated as HNOA) is a type of insurance that protects businesses in cases where employees use vehicles not owned by the company for work-related purposes. Here's a breakdown:
Hired Auto: Coverage for owners and employees driving a rented, hired, leased, or borrowed automobile in connection with the business.
Non-Owned Auto: Coverage for owners and employees using their own cars in connection with the business, over the employee's personal auto coverage for bodily injury and property damage liability.
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