CNA Hired and Non-Owned Auto Insurance
Commercial Auto – Hired and Non-Owned Auto
Who It’s For
CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. 2Company-reported. The guide explains the exposure and is not itself policy language or an eligibility rule.
Coverage Features
CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. 1Company-reported. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.
Risk Services
CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. 1Company-reported. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.
How to Apply
A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. 3Company-reported. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.
Other CNA Coverage Lines
Sources
- Commercial Auto Insurance for Businesses. CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired and Non-Owned Auto Exposures. CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired / Non-Owned Auto Supplemental Application. CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. Accessed 2026-09-30.
