North Dakota Hired and Non-Owned Auto Coverage

North Dakota has a statutory priority rule for vehicles loaned or rented by motor-vehicle businesses: the borrower's or renter's available policy is primary, while the business owner’s auto policy is excess. The state also requires no-fault benefits, so separate liability and injury-benefit coordination for employee rentals and borrowed cars.

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.

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

North Dakota sets a policy-priority rule for auto businesses
When a business selling, repairing, servicing, storing, leasing, renting, or parking vehicles lends, rents, or leases a vehicle, § 26.1-40-17 makes the user’s policy primary if one exists and the owner’s policy excess, subject to its terms. Ask whether an employee’s personal policy qualifies and where your HNOA sits. ¹
No-fault benefits do not track the liability tower
North Dakota’s basic no-fault chapter provides a separate first-party benefit system. Ask which policy pays basic no-fault benefits for an employee injured in a business rental or personal vehicle before discussing HNOA liability limits. ²
The statutory priority rule has a defined vehicle-business scope
Section 26.1-40-17 is tied to vehicles owned by specified motor-vehicle businesses and does not itself establish the priority order for every employer’s employee-owned auto. Ask your broker for the policy’s other-insurance wording for employee cars. ¹

Providers With North Dakota 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 North Dakota. 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 North Dakota?

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 701-328-2440

Surplus-Lines Tax and Stamping Office in North Dakota

Reported tax rate. 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state ^6,^7,⁸

When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.

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

Does § 26.1-40-17 apply to our vehicle rental or only to businesses that sell, repair, store, lease, or rent autos?
Which policy pays first for bodily injury benefits when our employee is hurt in a North Dakota rental?
How does our HNOA other-insurance clause treat an employee’s personal liability policy?

Hired and Non-Owned Auto Insurance in North Dakota: FAQ

Is North Dakota HNOA coverage primary for a rented vehicle?

Not necessarily. For a vehicle loaned, rented, or leased by a covered motor-vehicle business, § 26.1-40-17 makes the user’s available auto policy primary and the owner’s policy excess, subject to policy terms. Your broker should review how the statute and HNOA form apply to your rental. ¹

Does North Dakota have no-fault benefits for a work-trip crash?

Yes. North Dakota has a basic no-fault benefits law in chapter 26.1-41, separate from liability insurance. Ask which policy handles benefits for the employee’s specific vehicle and trip. ²

Sources for Hired and Non-Owned Auto Insurance in North Dakota

1
Automobile Insurance. North Dakota Legislative Branch; N.D.C.C. § 26.1-40-17: primary and excess coverages for loaned, rented, or leased vehicles. Accessed 2026-09-29.
2
Basic No-Fault Benefits. North Dakota Legislative Branch; N.D.C.C. ch. 26.1-41: basic no-fault benefits. Accessed 2026-09-29.
3
North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
4
Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
5
Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
6
Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
7
N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
8
Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. 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.

North Dakota Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

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

North Dakota sets a policy-priority rule for auto businesses

No-fault benefits do not track the liability tower

The statutory priority rule has a defined vehicle-business scope