--- title: "The Hartford Hired and Non-Owned Auto Insurance" description: "What The Hartford Hired and Non-Owned Auto Insurance covers, who it’s for, and how to apply, cited to The Hartford’s own published sources." canonical: "https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" --- 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/the-hartford/hired-non-owned-auto) # The Hartford Hired and Non-Owned Auto Insurance The Hartford Hired and Non-Owned Auto Insurance (HNOA) The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23.) ## Who It’s For - The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23.) ## Coverage Features - The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.) ## Limits and Retentions - **Not publicly disclosed.** The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Scope: HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit.) ## How to Apply - Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23.) ## The Hartford Hired and Non-Owned Auto Insurance Compared - [The Hartford vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto) - [The Hartford vs Beazley](https://spot.insure/compare/beazley-vs-the-hartford/hired-non-owned-auto) - [The Hartford vs Corgi](https://spot.insure/compare/corgi-vs-the-hartford/hired-non-owned-auto) - [The Hartford vs Founder Shield](https://spot.insure/compare/foundershield-vs-the-hartford/hired-non-owned-auto) - [The Hartford vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-the-hartford/hired-non-owned-auto) - [The Hartford vs HUB International](https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto) ## Other The Hartford Coverage Lines - [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy) - [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto) - [The Hartford Commercial Property Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-property) - [The Hartford Cyber Insurance](https://spot.insure/insurance-providers/the-hartford/cyber) - [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices) - [The Hartford General Liability Insurance](https://spot.insure/insurance-providers/the-hartford/general-liability) - [The Hartford Inland Marine Insurance](https://spot.insure/insurance-providers/the-hartford/inland-marine) - [The Hartford Management Liability Insurance](https://spot.insure/insurance-providers/the-hartford/management-liability) - [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) ## Related - [The Hartford Profile](https://spot.insure/insurance-providers/the-hartford) - [The Hartford Reliability](https://spot.insure/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://spot.insure/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) ## Sources 1. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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