Spot for Hired and Non-Owned Auto Insurance
We describe your team’s work trips and rentals for brokers, get quotes and help you buy auto cover without owning a single company car.
Your Spot team records how many employees drive for work, how often and why, which vehicles you rent, for how long and at what cost, and who signs the rental agreements, keeping deliveries, regular driving and occasional errands apart.
Brokers take your submission to insurers, and we compare each proposal’s liability limit, defense terms, how the limit applies when one accident brings several claims, and whether the driver is insured as well as the business.
Hired and non-owned auto insurance
Coverage limits · Policy terms
Juniper Consulting
Spot asks how each proposal works with the driver’s personal auto policy and any rental coverage, including which one responds first, and flags that HNOA liability won’t pay to repair the rental itself.
Hired and non-owned auto insurance
Juniper Consulting · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Insurers can ask how you check driving records and confirm employees’ personal auto insurance. Your Spot team keeps those answers with your policies, so they’re ready when the renewal questions come.
SamJuniper Consulting
Let’s prepare the information for your broker and compare the terms, not just the price.
Hired and non-owned auto insurance policy
Coverage terms · Limits
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
Staff drive their own cars to meetings and site visits, and a collision on the way can turn into a claim against your business.
A van rented for an event or a car picked up on a work trip is a hired auto, and whose name is on the rental agreement matters.
Supply runs and small deliveries in employees’ cars are business use, and insurers ask about them apart from regular driving.
You have no vehicles of your own to insure, but the liability from employees’ work driving can still land on the business.
What each industry usually faces, and where Spot fits in.
Employees use personal or rental vehicles for customer visits, events or deliveries.
Drivers or employees use rented or personally owned vehicles for company work.
Get quotes from 10+ hired and non-owned auto insurance providers with Spot.
Bank trips and supply runs are business use. Describe them to an insurer now, while the answer can still change your coverage.
Decide whose name goes on the rental agreement, and check what protects the rented vehicle itself, because HNOA liability doesn’t.
A company-owned vehicle isn’t hired or non-owned. Revisit commercial auto before it goes into service.
New hires in sales or field roles change how many people drive for work and how often. Update the figures before renewal and compare the market again.
Also known as HNOA insurance, hired and non-owned auto liability insurance, non-owned auto insurance and hired auto insurance.
Get quotes from 10+ hired and non-owned auto insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
