Question 1

We don't own any vehicles — do we still need commercial auto?

Accepted Answer

If any employee, founder, or contractor ever drives on company business — even a rental on a sales trip or their own car to a client site — yes. HNOA is the right answer for non-fleet operators and is usually inexpensive to add to the GL or BOP.

Question 2

Does our personal auto policy cover business use?

Accepted Answer

Personal auto policies cover commuting and incidental personal use, but they exclude or limit coverage for business use beyond that — and they do not cover the business itself if it gets named in the suit. HNOA fills that gap.

Question 3

How are commercial auto limits typically structured?

Accepted Answer

Most operating companies carry $1M Combined Single Limit (CSL) on the primary auto policy, which is the schedule of underlying that most commercial umbrellas require. Higher limits are available where contracts, fleet exposure, or radius of operation justify them.

Question 4

What about employees who drive electric or company-leased vehicles?

Accepted Answer

Leased vehicles get scheduled on the owned-auto symbol with the lessor named as loss payee and additional insured. Personal EVs used for business follow the HNOA path. We confirm titling and lease structure before placing the schedule.

Commercial Auto & Hired/Non-Owned Auto (HNOA).