Hired and Non-Owned Auto Insurance (HNOA) for Trucking

What Hired & Non-Owned Auto Covers

Hired and non-owned auto insurance helps protect your business when vehicles you don’t own—short-term rentals, leased units, or employee-owned cars—are used for company errands. Think bank runs in Cabot, parts pickups in North Little Rock, customer visits in Conway, or a weekend rental to shuttle gear. HNOA addresses liability to others; it doesn’t pay for damage to the vehicle being driven. For that, you’d look to the rental agreement, the driver’s policy, or your commercial auto liability and physical damage arrangements when applicable.

How HNOA Works With Your Other Policies

HNOA is typically excess over an employee’s personal auto policy when they drive their own car for work, and can act as primary on hired vehicles depending on your policy. We’ll coordinate HNOA with commercial trucking insurance and any customer contract requirements so your certificates and additional insured endorsements meet warehouse and shipper expectations across Arkansas and the Mid-South.

Practical Uses in Arkansas & the Southeast

Dispatch errands, supervisor travel, vendor meetings, and seasonal rentals all create liability exposures outside your tractors and straight trucks. HNOA helps fill that gap so a quick pickup in Little Rock or a parts run to Searcy doesn’t put your balance sheet at risk. For short-term rentals, confirm who carries primary coverage and verify certificate wording before you roll.

Limits, Pricing Factors & Risk Controls

Small fleets often choose $1M HNOA limits. Pricing depends on driver MVRs, how often you use non-owned vehicles, written use policies, and tools like telematics. Provide clear guidance on who may drive, acceptable vehicles, and proof-of-insurance checks before an employee hits the road. If contracts ask for higher limits, a commercial umbrella can sit over HNOA (subject to underwriting) to meet those demands.