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Connecticut Hired and Non-Owned Auto Coverage

Connecticut requires continuous liability insurance on vehicles that remain registered, and its Insurance Department lists uninsured/underinsured motorist coverage among the required auto protections. The state’s general auto limits and vehicle-specific proof rules are useful checkpoints, but they do not answer whether a business policy covers an employee-owned or rented car on a work trip. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Connecticut Requirements

RequirementDetails
Continuous insurance for registered vehiclesConnecticut DMV says a registered vehicle must maintain continuous minimum liability insurance until its registration or plates are canceled. If DMV requests proof, it accepts documents identifying the vehicle in question. 1
Uninsured and underinsured motorist coverageThe Connecticut Insurance Department states that auto policies must carry UM/UIM coverage of at least $25,000 per person and $50,000 per accident, alongside the state’s stated minimum liability limits. 2

What to Watch for in Connecticut

  • Proof needs to identify the vehicle

    Connecticut DMV says acceptable proof for an insurance compliance request must identify the vehicle in question; temporary cards, bills, and binders are not accepted for that purpose. Keep the right declaration page or permanent card accessible for vehicles employees use, and confirm which party can produce it. 1

  • Ask how UM/UIM applies to work travel

    Connecticut requires UM/UIM on auto policies, but that does not establish which policy protects an employee injured while using a hired or non-owned vehicle. Ask the broker to identify the insured people and vehicles and explain how any personal, commercial, and rental arrangements coordinate. 2

  • Liability limits do not insure the rented vehicle itself

    The state’s minimum liability coverage addresses injury or damage to others. It does not by itself establish collision or comprehensive protection for a rented or borrowed car. Confirm responsibility for damage to the vehicle and any rental-company charges separately. 3

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 7,8,9

Providers With Documented State Licenses

These providers publish a national listing for Hired and non-owned auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Connecticut. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12

Questions to Ask Before You Buy in Connecticut

  1. Which business policy responds when a Connecticut employee uses a personal, borrowed, or rental vehicle for work, and who is insured?
  2. Does UM/UIM protection apply to employees during those trips, and how does it coordinate with their personal policies?
  3. Who will provide vehicle-specific proof of insurance if Connecticut DMV or a rental company requests it?

Hired And Non-Owned Auto in Connecticut: FAQ

Does Connecticut require continuous insurance on registered vehicles? 1

Yes. Connecticut DMV says a vehicle with an active registration must maintain minimum liability insurance until the registration or plates are canceled. 1

Is UM/UIM auto coverage required in Connecticut? 2

Yes. The Connecticut Insurance Department states that at least $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage is required. 2

Hired And Non-Owned Auto in Other States

Other Coverage in Connecticut

Sources

  1. Learn how to comply with insurance, tax, and registration laws. Connecticut Department of Motor Vehicles; Insurance requirements by law; What is liability insurance; How to provide proof: continuous coverage and acceptable vehicle-identifying documents. Accessed 2026-09-28.
  2. Auto Insurance FAQs. Connecticut Insurance Department; FAQ on minimum automobile insurance limits: $25,000/$50,000 bodily injury, $25,000 property damage, and $25,000/$50,000 UM/UIM. Accessed 2026-09-28.
  3. What Is Auto Insurance. Connecticut Insurance Department; Current consumer explainer cites Conn. Gen. Stat. §§ 14-112 and 38a-336 and explains liability versus property-damage coverage; page dated 2023-04-12. Accessed 2026-09-28.
  4. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  5. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  6. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  8. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  9. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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