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Hired & Non-Owned
Auto Insurance

If your employee drives their own car or a rented car for something work-related, and an accident happens, Hired & Non-Owned Auto (“HNOA”) insurance can protect your startup.

This type of coverage is designed to provide liability coverage for bodily injuries and property damage coverage that you or your employees may cause while using a personal or rented vehicle for business purposes.


Which startups should get Hired & Non-Owned Auto insurance?
If your startup uses personal vehicles – an employee’s personal car – or rents cars for business use, you’ll benefit from HNOA coverage.

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.


When should a startup get Hired & Non-Owned Auto insurance?

If you or your team often drive personal or rented vehicles for business purposes, you might want to consider getting Hired & Non Owned Auto coverage.

A Vouch insurance pro can give you a better sense of what your specific needs are – feel free to start a chat using the chat box in the lower right-hand corner of your screen.


What does Hired & Non-Owned Auto insurance cover?

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.

Your head of sales drives himself, you, and your cofounder to meet with a prospective investor, in his own car. On the way back to your coworking space, you get into a fender-bender. Nobody’s hurt, but the other car sustains damages. The other driver’s insurance company comes after your employee to cover repair costs. Your Hired & Non-Owned Auto policy covers the costs.

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.


Why get Hired & Non-Owned Auto insurance?

Driving is one of the riskiest things we do every day. You know this, which is why you get auto insurance for yourself – you just might not think to get it for your business.

If your startup uses personal or rented cars for business purposes, your company faces these risks just as your employees do.

If your employee causes an accident, they could wind up in a lawsuit which can cost your startup thousands of dollars.

HNOA coverage can protect your startup from the risks associated with incidental driving. Get it here.

Why Vouch?

Why get Hired & Non-Owned Auto from Vouch 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.

Vouch’s HNOA coverage brings peace of mind to founders who have teams that depend on auto travel.


How do startups get Hired & Non-Owned Auto insurance?

Instead of a few weeks swapping PDFs with a broker, you can…

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Apply in just 10 minutes.

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Get covered within 24 hours.

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Handle everything online.