Maryland Hired and Non-Owned Auto Coverage

For Maryland rentals, the vehicle’s required policy or self-insurance generally provides primary coverage to the owner, lessee and permitted users; commercial-use and long-term leases can shift security duties under specified conditions. Those rules do not establish what a business HNOA policy covers, so check both the rental agreement and the actual business policy.

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.

Maryland Hired and Non-Owned Auto Insurance Requirements

Requirement	Details
Rental agreement and authorized drivers	Identify who the rental company or lessor has authorized to drive, and ask how primary liability security applies if another employee takes the wheel. ^1,²

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

Permitted drivers have a statutory primary-policy rule
Maryland requires a vehicle-rental or lease business to provide its required liability policy or self-insurance to the owner, lessee and each person using the vehicle with permission. The regulation says this primary coverage applies despite contrary terms in the rental agreement. It describes the rental vehicle’s required security; it does not say your separate HNOA policy insures the business or every employee. ¹
An employee outside the rental authorization is a distinct risk
For rental transactions originating in Maryland, the rental company must provide required security on a primary basis for a third-party liability claim when the driver is neither the renter nor an authorized driver. Confirm how the company adds employees as authorized drivers, and ask the HNOA broker separately how its policy treats a driver who is not on the rental agreement. ²
Commercial and long-term leases can allocate security differently
For a commercial-use lease, the lessor may require the lessee to procure security only if the lessor has an approved contingent-liability and matching uninsured-motorist arrangement, approved self-insurance, or a qualifying bond on file for lessee default. For leases longer than 180 days, the owner may require the lessee to procure security. Check the contract term, proof requirements and default backstop before treating a fleet lease like a short rental. ¹
An employee’s personal policy may limit permissive-driver limits
Maryland’s Insurance Administration says a personal auto policy issued and delivered in the state may reduce a non-household permissive driver’s liability limit to the state minimum; household drivers may also face policy-specific limits if unlisted. That regulator guidance concerns personal auto contracts, not the company’s HNOA policy. Ask employees and the broker about policy terms rather than assuming an employee’s personal limit will be the business’s limit. ³

Providers With Maryland 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 Maryland. 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 Maryland?

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-492-6116

Surplus-Lines Tax and Stamping Office in Maryland

Reported tax rate. 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions ^7,⁸

When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies.

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

Does the HNOA policy cover the company’s liability when employees drive rental cars for work, and which employees qualify as insureds?
How should we add each employee as an authorized driver under our rental or lease agreements?
For commercial leases or terms beyond 180 days, what proof of security must our company provide, and what protection remains if that security lapses?
How does the HNOA policy coordinate with the rental company’s primary security and an employee’s personal auto policy?

Hired and Non-Owned Auto Insurance in Maryland: FAQ

Does Maryland’s rental-car rule mean our HNOA policy pays first?

No. The regulation addresses required security for the rental vehicle and permitted users. Ask the business insurer for the policy’s insureds, other-insurance terms and defense obligations. ¹

What if an employee drives a Maryland rental but is not listed?

The rental company has a primary-security responsibility for a third-party claim when the driver is not the renter or an authorized driver in a covered Maryland rental transaction. The employee’s HNOA status still depends on the actual business policy. ²

Sources for Hired and Non-Owned Auto Insurance in Maryland

1
.03 Requirements for Renting or Leasing Vehicles. Maryland Division of State Documents / Library of Maryland Regulations; COMAR 11.18.01.03(A)–(B); accessed 2026-09-28; operative text reviewed. Accessed 2026-09-28.
2
Transportation §18-106, Security required for rental vehicles. Maryland General Assembly; 2026 Maryland Code, §18-106(a)–(d), especially (b) applicability and (d) unauthorized-driver claim; accessed 2026-09-28. Accessed 2026-09-28.
3
Consumer Advisory: Resident and Permissive Drivers. Maryland Insurance Administration; Permissive Drivers, lines 50–56; accessed 2026-09-28. Accessed 2026-09-28.
4
Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
5
Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
7
Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
8
Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. 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.

Maryland Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

Maryland Hired and Non-Owned Auto Insurance Requirements

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

Permitted drivers have a statutory primary-policy rule

An employee outside the rental authorization is a distinct risk

Commercial and long-term leases can allocate security differently

An employee’s personal policy may limit permissive-driver limits