Does Your Georgia-Based Business Need Hired and Non-Owned Auto Insurance?

Many Georgia businesses rely on employees to drive for work-related tasks, even if they don’t own company vehicles. When an accident occurs during business use, the company may be held financially responsible for injuries or property damage.

What Is Hired and Non-Owned Auto Insurance (HNOA)?

Hired and non-owned auto insurance may provide liability coverage for vehicles a business rents, leases or borrows, as well as personal vehicles employees use for work. It applies when an employee causes an accident while driving a personal car for business purposes, or when the business rents a vehicle for temporary use.

This coverage focuses on third-party injuries and property damage. It does not replace physical damage coverage for the employee’s vehicle or the rented vehicle. Instead, it addresses the company’s responsibility for accidents arising from its business activities.

What Are the Risks of Not Carrying HNOA Insurance?

Without this coverage, a business may be held liable for damages resulting from an accident involving an employee’s personal vehicle. Personal auto insurance often excludes accidents linked to work, leaving the business exposed to lawsuits and costly settlements. Costs for medical care, vehicle repair and legal fees can escalate. Rental car incidents create similar challenges, as rental agreements typically shift liability to the renting business.

How to Get the Right HNOA Policy for Your Georgia Business

Begin by reviewing how often employees drive for work, including errands, client visits or rentals. Confirm that employees maintain valid personal auto insurance, because gaps in their policies may increase your exposure. Consult an agent from Discount Insurance who can outline available options and explain how they apply to your operations. We can help you compare liability limits, exclusions and endorsements. A clear documentation of driving duties and updated records can also help you choose coverage that aligns with your business activity.

Get a Quote

Discount Insurance helps Georgia businesses secure hired and non-owned auto insurance. Contact us today for any questions or to request a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.