---
title: "Hired and Non-Owned Auto Insurance Quotes"
description: "Get hired and non-owned auto quotes with Spot: we describe your rentals, errands and deliveries, take one submission to market and compare who each quote protects."
canonical: "https://spot.insure/insurance/hired-non-owned-auto/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/hired-non-owned-auto/quotes)

## Agent Guide

**What this page is:** Get hired and non-owned auto quotes with Spot: we describe your rentals, errands and deliveries, take one submission to market and compare who each quote protects.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Get hired and non-owned auto quotes with Spot

Tell your Spot team how people drive for you in rented and personal cars, and we prepare the submission brokers use to quote HNOA.

- Rentals and employee driving described by how they’re used
- Whose liability each quote protects, made clear
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=hired-non-owned-auto&icp=small-business)

## How it works

- **Tell us who drives for you.** Share when employees use their own cars or rent vehicles for work. Your Spot team separates occasional errands from regular driving and deliveries.
- **Add rental and ownership details.** We note who signs rental agreements and whether vehicles are rented in the business’s or an employee’s name.
- **Brokers take it to market.** We work with brokers to request proposals from insurers that write hired and non-owned auto, and follow up on questions.
- **Compare who is protected.** Each proposal’s liability limit, defense terms and treatment of the driver’s personal insurance sit side by side.

## What you’ll need

- **Employees who drive for work.** Who they are and how often they drive on business.
- **How vehicles are used.** Errands, client visits and deliveries described separately, since regular driving may be treated differently from occasional trips.
- **Rented vehicles.** What you rent for work, how often, and who signs the rental agreement.
- **Vehicles owned by employees.** Personal cars used for business and whether drivers have their own auto insurance.
- **Owned vehicles.** Any vehicles the business owns, since hired and non-owned auto is not a substitute for commercial auto on them.
- **Driver screening.** How you check driving records before someone drives for you.
- **Current coverage.** Your expiring policy and any rental coverage you rely on.

## What affects your price

- **How much people drive for you.** Regular driving or deliveries cost more to insure than occasional errands.
- **Number of drivers.** More people on the road for the business means more exposure.
- **Type of use.** Deliveries, client transport and errands are rated differently.
- **Liability limit.** A higher limit costs more.
- **Driver records.** Insurers may look at the driving records of the people involved.

## Coverage

- [Hired and non-owned auto](https://spot.insure/insurance/hired-non-owned-auto/quotes)

## Common questions

### Does hired and non-owned auto repair a rental van?

No. It addresses liability, not damage to the rented or employee-owned vehicle. That needs vehicle-damage protection.

### Does it protect the employee who was driving?

Not automatically. Protection for the business doesn’t extend to the driver on its own, so we ask whose liability each proposal insures.

### Do I still need commercial auto?

If your business owns vehicles, yes. Hired and non-owned auto is not a substitute for commercial auto on vehicles you own.

### Can my auto broker quote this alongside commercial auto?

Yes. Spot works alongside brokers, takes no commissions on premiums and can take both to market together.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/hired-non-owned-auto/quotes.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)