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Indiana Hired and Non-Owned Auto Coverage

Indiana requires financial responsibility to be in effect for a motor vehicle operated on public roads, or the operator must otherwise be insured. For a BMV request tied to a past incident, the bureau provides a separate affidavit for a driver who was operating an employer-owned or rental vehicle in the course of employment or rental term. The affidavit relieves the driver from that BMV proof requirement; it does not insure the driver, establish who is liable, or decide whether any policy covers the claim. 4,2

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.

Indiana Requirements

RequirementDetails
Financial responsibility while operatingIndiana bars operation on a public highway if the vehicle lacks financial responsibility and the person is not otherwise insured to operate it. The legal test is not itself a promise that an employer’s HNOA policy covers every driver or vehicle. 4

What to Watch for in Indiana

  • Employer and rental vehicles have a proof pathway

    Indiana BMV Form 55434 is described as relieving a driver from the BMV’s proof-of-financial-responsibility requirement when the driver was operating an employer-owned or rental vehicle during employment or the rental term. It is a proof procedure for the BMV; it does not state that a policy covers the trip or that no one is liable. 2

  • Indiana recognizes vehicle or operator financial responsibility

    Indiana Code § 9-25-4-4 measures financial responsibility with respect to the vehicle when a qualifying policy, bond, or self-insurance can respond to liability from ownership, maintenance, or use. Indiana’s BMV separately says a person may be otherwise insured to operate the vehicle. Ask the broker to identify the applicable policy and insured status for this driver and trip. 1,4,3

  • A proof request is separate from the claim

    The BMV says it requests proof after listed events such as an accident or certain traffic violations; its COC process documents whether insurance applied to a specific vehicle and incident. Provide the requested form through the prescribed process, while separately reporting any claim to the employer and insurers. 3

Who Regulates Insurance in Indiana

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker. 8,9,10,11

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 Indiana. 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. 14

Questions to Ask Before You Buy in Indiana

  1. Is the vehicle employer-owned, rented, or employee-owned, and what written policy and permission govern its work use?
  2. Has the BMV requested proof for a particular incident, and does the employer/rental affidavit fit the facts and time period?
  3. Who will confirm the applicable liability policy, driver status, and claim-reporting steps apart from the BMV proof process?

Hired And Non-Owned Auto in Indiana: FAQ

Does Indiana’s employer or rental vehicle affidavit provide insurance coverage? 2

No. The BMV describes Form 55434 as relieving a driver from the BMV proof requirement when operating an employer-owned or rental vehicle during employment or the rental term. It is a verification procedure, not an insurance policy or a ruling on liability or claim coverage. 2

What does Indiana require when someone operates a vehicle? 1,4

Indiana Code § 9-25-4-4 recognizes financial responsibility with respect to the vehicle through qualifying insurance, a bond, or self-insurance that can respond to liability arising from ownership, maintenance, or use. Indiana’s law also addresses a person otherwise insured to operate the vehicle. Confirm the written policy terms for the employee and trip. 1,4

Hired And Non-Owned Auto in Other States

Other Coverage in Indiana

Sources

  1. Indiana Code § 9-25-4-4: When Financial Responsibility Is in Effect. 2025 Indiana Code (public code text); § 9-25-4-4(a)–(b): financial responsibility for vehicle/operator, liability from ownership, maintenance or use, and required/approved policy provisions. Accessed 2026-09-28.
  2. Suspension Reinstatement and Insurance Forms. Indiana Bureau of Motor Vehicles; Affidavit – Proof of Financial Responsibility for Employer or Rental Vehicle: stated use to relieve a driver’s BMV proof requirement while operating an employer-owned or rental vehicle during employment or rental. Accessed 2026-09-28.
  3. Common Traffic Violations. Indiana Bureau of Motor Vehicles; Failure to Meet Insurance Requirements: minimum financial-responsibility limits and proof process, including employer/rental affidavit. Accessed 2026-09-28.
  4. Indiana Code § 9-25-4-1: Persons Generally Who Must Meet Minimum Standards. 2025 Indiana Code (public code text); § 9-25-4-1(b): registration and public-highway operation prohibited when financial responsibility is not in effect with respect to vehicle and person is not otherwise insured to operate. Accessed 2026-09-28.
  5. Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
  6. Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
  7. Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
  8. Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
  9. Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
  10. Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
  11. Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  18. 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.
  19. 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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