West Virginia Hired and Non-Owned Auto Coverage

West Virginia requires auto liability policies to cover the named insured and permissive users, while also allowing specifically excluded drivers. A non-owned-auto clause may condition coverage on owner consent, with the statute treating the vehicle's custodian as its owner for that purpose.

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 West Virginia

West Virginia includes permissive users in covered auto policies
Section 33-6-31(a) requires coverage for a person using or responsible for use with express or implied consent, subject to exclusions. Have employees obtain permission before using a personal or borrowed vehicle for company work. ¹
Consent for a non-owned car may come from its custodian
If a policy conditions non-owned-auto coverage on the owner’s consent, § 33-6-31 treats “owner” as including the custodian of the non-owned vehicle. Confirm who controls the vehicle and whether the employee has that person’s authorization. ¹
An excluded driver can remove coverage entirely
West Virginia permits restrictive endorsements for specifically excluded drivers; § 33-6-31h says the insurer need not defend or indemnify for that person’s vehicle use. Ask employees to disclose named-driver exclusions and verify HNOA can still protect the employer. ²

Providers With West Virginia 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 West Virginia. 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. ¹⁰
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

Who Regulates Insurance in West Virginia?

West Virginia Offices of the Insurance Commissioner

The West Virginia Offices of the Insurance Commissioner administers West Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in West Virginia

Reported tax rate. 4% of premium plus 0.55% surcharge ^6,⁷

The NAIC's state chart lists a 4% of premium plus 0.55% surcharge charge for surplus-lines coverage for West Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

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

For a personal car used on a company errand, which policy insures the business, which insures the driver, and what owner or custodian permission must be documented?
For a rented vehicle, which liability and vehicle-damage coverages are included, and what does the rental agreement require?
What evidence should we keep of driver eligibility, vehicle use, permissions and named-driver exclusions before an employee drives for work?

Hired and Non-Owned Auto Insurance in West Virginia: FAQ

Does West Virginia auto insurance cover permissive users?

Generally yes. Section 33-6-31(a) requires policies to cover people using a vehicle with express or implied consent, but a restrictive endorsement may exclude a named driver. ¹

Whose permission counts for a West Virginia non-owned car?

If coverage requires the owner’s consent, § 33-6-31(a) says “owner” includes the custodian of a non-owned vehicle. ¹

Sources for Hired and Non-Owned Auto Insurance in West Virginia

1
Motor vehicle policy; omnibus clause; uninsured and underinsured motorists’ coverage. West Virginia Legislature; W. Va. Code § 33-6-31(a): permissive user and custodian rule. Accessed 2026-09-29.
2
Excluded drivers; definitions; restrictive endorsements. West Virginia Legislature; W. Va. Code § 33-6-31h(c): effect of excluded-driver endorsement. Accessed 2026-09-29.
3
West Virginia Offices of the Insurance Commissioner. West Virginia Offices of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; West Virginia Offices of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WV row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
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.
10
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.
11
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.
12
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.
13
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.
14
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.

West Virginia 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 West Virginia

West Virginia includes permissive users in covered auto policies

Consent for a non-owned car may come from its custodian

An excluded driver can remove coverage entirely