--- title: "CNA Hired and Non-Owned Auto Insurance" description: "What CNA Hired and Non-Owned Auto Insurance covers, who it’s for, and how to apply, cited to CNA’s own published sources." canonical: "https://spot.insure/insurance-providers/cna/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/cna/hired-non-owned-auto) # 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. [2](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: 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. [1](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [1](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [3](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: 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 - [CNA Builders Risk Insurance](https://spot.insure/insurance-providers/cna/builders-risk) - [CNA Crime Insurance](https://spot.insure/insurance-providers/cna/crime) - [CNA D&O Insurance](https://spot.insure/insurance-providers/cna/directors-officers) - [CNA Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cna/employment-practices) - [CNA Fiduciary Liability Insurance](https://spot.insure/insurance-providers/cna/fiduciary) - [CNA Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/cna/kidnap-ransom) - [CNA Management Liability Insurance](https://spot.insure/insurance-providers/cna/management-liability) - [CNA Media Liability Insurance](https://spot.insure/insurance-providers/cna/media) - [CNA Medical Malpractice Insurance](https://spot.insure/insurance-providers/cna/medical-malpractice) - [CNA Product Liability Insurance](https://spot.insure/insurance-providers/cna/product-liability) - [CNA Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/cna/professional-errors-omissions) ## Related - [CNA Profile](https://spot.insure/insurance-providers/cna) - [CNA Reliability](https://spot.insure/insurance-providers/cna/reliability) - [CNA Alternatives](https://spot.insure/insurance-providers/cna/alternatives) - [Coverage Guide: Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) ## Sources 1. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). 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. 2. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). 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. 3. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). 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. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/cna/hired-non-owned-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)