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Minnesota’s rental-car rules may already reach a personal policy

Minnesota requires a natural-person personal auto policy to extend specified liability, personal-injury-protection, uninsured/underinsured-motorist and rental-damage coverages to defined short-term rentals. If the employee renter is also covered under an employer policy or self-insurance plan, the employer plan has primary responsibility for claims arising from rental use. Check the vehicle and rental term definitions, and confirm the employer contract actually covers the 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.

Minnesota Requirements

RequirementDetails
Qualifying rentalThe statutory rental coverage uses daily, weekly or monthly rates, including temporary replacement vehicles; the agreement must be no longer than one month and cannot function as a purchase substitute. 1

What to Watch for in Minnesota

  • A qualifying personal policy must extend named coverages to rentals

    Minnesota §65B.49(5)(a) requires a natural-person named-insured policy for private passenger cars and specified pickups or vans to cover damage and loss of use and extend basic economic loss, residual liability, and uninsured/underinsured motorist coverage to operation or use of a qualifying rental auto. The rental definition excludes agreements longer than one month and purchase substitutes. This rule does not establish the terms or insureds of a separate employer HNOA policy. 1

  • An employer plan has primary claim responsibility when it also covers the renter

    If the person renting the vehicle is also covered by the employer’s insurance policy or automobile self-insurance plan, §65B.49(5)(d) assigns primary responsibility for claims arising from use of the rented vehicle to the employer’s plan. Ask the broker to confirm that the employee and trip fall within the written policy; the statute does not create an employer contract where none exists. 1

  • Minnesota sets a default priority for non-owned-auto liability

    Except for the statutory rental and other listed exceptions, a Minnesota plan’s residual liability coverage is excess of a non-owned-vehicle policy when the vehicle is borrowed or rented, for business or pleasure. The statute defines non-owned as a vehicle not used or provided on a regular basis. The separate rental rules can make an employer plan primary when it covers the employee renter, so ask the broker to map both rules to the written policies and the actual trip. 2,1

  • Rental damage and loss-of-use rules have exact boundaries

    For damage to a rental vehicle covered under the required personal plan, Minnesota law limits compensation for loss of use to no more than 14 days and requires the rental contract to accept timely payment by the insurer without advance payment by the renter. Confirm that the rental agreement and policy address the actual vehicle class and covered damage rather than treating HNOA liability as rental-car physical-damage coverage. 1

  • The rental owner’s vicarious-liability limit is a separate rule

    Minnesota separately caps a rental owner’s vicarious legal damages at statutory amounts when the owner has required insurance or self-insurance in place. That limit concerns the owner’s liability, not the amount your business’s HNOA carrier will pay for the company’s own liability. 1

Who Regulates Insurance in Minnesota

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure. 6,9,7,8,10

Minnesota Surplus Lines Association

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 Minnesota. 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. 13

Questions to Ask Before You Buy in Minnesota

  1. Is the rented vehicle and rental term within Minnesota’s statutory definition, including the one-month ceiling and purchase-substitute exclusion?
  2. Does the employee renter qualify for a personal Minnesota policy, and which rental coverages and limits does it provide?
  3. Does the policy treat the work vehicle as non-owned and regular or occasional use, and how does its other-insurance clause coordinate with the statutory rental priority?
  4. Does the employer’s written auto policy cover this employee and rental, and does it take primary responsibility for rental-use claims?
  5. Which contract addresses damage to the rented vehicle, loss of use and the 14-day limit?

Hired And Non-Owned Auto in Minnesota: FAQ

Does Minnesota require a personal auto policy to cover every rental? 1

The statute requires defined personal auto policies to extend specified coverages to qualifying rented vehicles. It excludes agreements longer than one month and arrangements functioning as a purchase substitute, among other scope limits. 1

When does the employer plan take primary responsibility? 1

When the person renting is also covered by the employer’s insurance or automobile self-insurance plan, Minnesota law assigns that plan primary responsibility for claims arising from use of the rented vehicle. The actual plan’s terms still determine whether the employee and trip are covered. 1

Hired And Non-Owned Auto in Other States

Other Coverage in Minnesota

Sources

  1. Minn. Stat. §65B.49, Required coverages; rented motor vehicle. Minnesota Revisor of Statutes; Subd. 5(a)–(i), especially rental definition, employer priority, rental notice and loss-of-use provisions; 2025 codification viewed 2026-09-28. Accessed 2026-09-28.
  2. Minn. Stat. §65B.47, Priority of obligations to pay basic economic loss benefits. Minnesota Revisor of Statutes; Subd. 3a(d), residual liability policy excess of a non-owned vehicle policy, including borrowed or rented vehicle for business or pleasure; current text accessed 2026-09-28. Accessed 2026-09-28.
  3. Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
  4. Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
  6. Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
  7. Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
  8. Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
  9. Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
  10. Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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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