INSURANCE FOR
BUSINESS STRATEGIES FOR
What Non-Owned & Hired Auto Insurance Protects
Even if your business doesn’t own company vehicles, you may still be held liable when employees drive for work. Non-Owned & Hired Auto Insurance (HNOA) helps protect your:
✓ Business from auto-related liability
✓ Employees and contractors using personal vehicles
✓ Rental vehicles used for business purposes
✓ Cash flow and legal exposure
✓ Operations when accidents occur
If an employee runs an errand, visits a job site, delivers materials, or rents a car for work, your business can be held responsible for accidents—even if the vehicle isn’t yours.
Non-Owned & Hired Auto Insurance typically covers:
Hired Auto Liability
Liability protection for vehicles your business rents, leases, or borrows—including short-term rentals.
Non-Owned Auto Liability
Covers accidents involving employees’ personal vehicles when used for business operations.
Legal Defense Costs
Attorney fees, settlements, and judgments if your business is sued after an auto accident.
Medical & Property Damage Liability
Covers injuries or property damage your business is responsible for during work-related driving.
Note: HNOA does not cover physical damage to the employee’s personal vehicle. That is covered by their personal auto insurance—but your business remains liable for injuries or third-party damage.
Why Non-Owned & Hired Auto Insurance Isn’t Optional
Your business has auto liability exposure even without owning a single vehicle. Common risk scenarios include:
Employees driving their own cars to meetings or client sites
Picking up supplies or equipment
Delivering products
Using rideshare or rental vehicles on company business
Contractors driving under your business direction
Common claims include:
Major injuries
Property damage
Multi-vehicle collisions
Lawsuits against the business
Without HNOA coverage, a single accident can expose your company to significant financial and legal risk.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.