Idaho Hired and Non-Owned Auto Coverage

Idaho’s required owner-policy provisions include people using a described vehicle with the named insured’s express or implied permission. A separate statute makes the operator’s policy primary when an insured operator negligently uses a qualifying loaned vehicle provided free by a licensed dealer for a demonstration or while the operator’s vehicle is being repaired or serviced. The owner’s policy is secondary or excess under that narrow rule; compensation for use generally shifts the stated order. The provision does not automatically cover ordinary rentals or every borrowed work vehicle.

What Is Hired and Non-Owned Auto Insurance?

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.

Idaho Hired and Non-Owned Auto Insurance Requirements

Requirement	Details
Permission under the vehicle owner’s policy	Idaho’s statutorily defined owner policy covers the named insured and other people using a described vehicle with the named insured’s express or implied permission, subject to policy limits and the law’s scope. ¹

What to Watch for With Hired and Non-Owned Auto in Idaho

The priority rule covers a defined loaner
Idaho Code § 49-1212(11) makes the operator’s qualifying motor vehicle liability policy primary for injury, death, or personal-property damage from negligent operation of a free temporary loaner supplied by a chapter 16 licensed entity to demonstrate a vehicle or provide convenience while the operator’s vehicle is being repaired or serviced. It does not apply to every non-owned work vehicle. ¹
Payment can change the priority order
If the owner receives compensation from or for the operator for temporary use, the owner’s coverage is primary and the operator’s is secondary or excess; compensation provided because the operator’s vehicle is being repaired or serviced is excluded from that exception. Ask the repairer or dealer to identify the arrangement in writing. ¹
Liability and damage to the loaner are different
When an operator’s policy provides coverage for damage to a qualifying loaned vehicle, Idaho’s statute makes that coverage primary but caps it at the lower of reasonable repair cost or the owner’s actual replacement cost; the owner’s policy is secondary or excess. This statutory order does not establish that a given policy includes physical-damage coverage. ¹

Which Hired and Non-Owned Auto Providers Have Idaho License Records?

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

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’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. ¹¹
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

Who Regulates Insurance in Idaho?

Idaho Department of Insurance

The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints. ^3,^7,⁴

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (208) 334-4250

Surplus-Lines Tax and Stamping Office in Idaho

Reported tax rate. 1.5% of premium when Idaho is the home state for property and casualty coverage ^5,^6,⁸

Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection.

Questions to Ask Before You Buy Hired and Non-Owned Auto in Idaho

Is this vehicle a free, temporary dealer demonstration or repair/service loaner within Idaho Code § 49-1212(11), or another kind of borrowed or rented vehicle?
Was any compensation paid for the use, apart from the stated repair/service circumstance, and who can document that arrangement?
Does the operator’s written policy actually include liability and physical-damage coverage for this vehicle and trip?

Hired and Non-Owned Auto Insurance in Idaho: FAQ

Whose policy is primary for an Idaho repair-shop loaner?

For a qualifying free temporary loaner from a chapter 16 licensed entity, Idaho Code § 49-1212(11) generally makes the operator’s complying motor vehicle liability policy primary for injury, death, or personal-property damage, with the owner’s policy secondary or excess. The rule has defined uses and a compensation exception. ¹

Does Idaho’s loaner priority rule apply to every rental or borrowed car?

No. The statute defines a loaned vehicle as a free temporary vehicle supplied by a chapter 16 licensed entity for a demonstration or as a convenience during repair or service of the operator’s vehicle. An ordinary paid rental or other borrowing does not fit that definition merely because the vehicle is non-owned. ¹

Sources for Hired and Non-Owned Auto Insurance in Idaho

1
Idaho Code § 49-1212: Expressed, Permitted and Implied Provisions of Motor Vehicle Liability Policy. Idaho State Legislature; § 49-1212(1), (11)(a)–(b): owner-policy permission provision; primary/excess order and definition of qualifying loaned vehicle; compensation exception. Accessed 2026-09-28.
2
Vehicle Insurance. Idaho Transportation Department; Insurance Requirements and Drive Insured: registered vehicle insurance requirement, minimum limits, verification and suspension process. Accessed 2026-09-28.
3
Idaho Department of Insurance. Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28.
4
Consumers. Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28.
5
Idaho Insurance Laws and Regulations. Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28.
6
Surplus Lines. Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28.
7
Request Public Records. Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28.
8
Surplus Lines: Facts to Know. Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
14
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.
15
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.

Idaho Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

Idaho Hired and Non-Owned Auto Insurance Requirements

What to Watch for With Hired and Non-Owned Auto in Idaho

The priority rule covers a defined loaner

Payment can change the priority order

Liability and damage to the loaner are different