Commercial Auto

What is hired and non-owned auto and does my Georgia business need it?

Hired auto covers liability when you or your employees rent or borrow a vehicle for business use. Non-owned auto covers liability when employees drive their personal vehicles for company business (driving to a client meeting, making a bank deposit, picking up supplies). If an employee runs a work errand in their personal car and causes an accident, your business faces liability for that accident. Their personal auto pays first up to its limit. Your HNOA covers the business liability exposure above that. Most Georgia small businesses need HNOA even if they own no company vehicles.

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What is hired and non-owned auto and does my Georgia business need it?

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