Hired & Non-Owned
Auto Insurance

These are the two most common scenarios we see:

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  Your employees use their personal vehicles to attend meetings with prospective clients or run company errands
  

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  You’re a startup whose employees occasionally rent cars while attending conferences.
  

Not quite sure whether your employees do enough business driving to need a Hired & Non-Owned Auto policy? Send your questions to us at hello@vouch.us and we’ll help you decide.

One important note: standard personal auto insurance policies typically won’t cover you and your employees for commercial driving. In fact, your personal policy is likely to only cover physical damage to your car. If an employee is responsible for the accident and faces a lawsuit, HNOA could kick in and cover your startup.

Important note: If your startup does own vehicles, you’ll need Commercial Auto insurance. That policy is designed to cover accidents in company-owned vehicles. Talk to an Advisor today about Commercial Auto.

A Vouch Hired & Non-Owned Auto policy can cover your startup in a lawsuit against your business and your employees. It provides coverage for bodily injury and property damage caused by you or your employees while using a personal or rented vehicle for business purposes.

HNOA won’t cover any costs associated with injuries or damages sustained by an employee, such as medical bills or mechanic expenses due to vehicle damage.

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  HNOA doesn’t cover an accident involving a company-owned vehicle – that would be covered by Commercial Auto insurance.
  

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  HNOA coverage does not cover physical damage for either a personal or rented car or damage to property that’s being transported in the vehicle. 
  

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  HNOA will not cover an accident that happens on an employee’s own time, such as running a personal errand or during their commute.
  

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  HNOA does not cover any rideshare or delivery type use (i.e., commercial use).
  

Other situations that would need different types of coverage might include...

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  Damage to your business property or losses caused by your product, which can be covered by a Business Owner’s Policy.
  

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  Claims that your professional work caused a financial loss, which are typically covered by Errors & Omissions insurance.
  

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  Employee injuries, which are covered by Workers’ Compensation.
  

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  Non-benefits-related employee lawsuits, which may be covered by Employment Practices Liability insurance.
  

Vouch was built by founders, for founders. They included HNOA in the Vouch startup coverage lineup because they know firsthand that you’re going to have to hop in the car to take care of business sometimes – and once in a while, something goes wrong.