What is Hanover known for?

An account-based approach to small and mid-size commercial insurance, with industry-tailored programs across hundreds of business classes.

How do I file an NFIP flood claim?

Report through your Write-Your-Own carrier (Selective) using your policy contact; document with photos; Olive Cover can help you manage it.

Do I need flood insurance in Georgia?

Flood is excluded from standard policies and needs its own coverage. Required in FEMA high-risk zones and worth considering elsewhere too.

What are the NFIP coverage limits and what is excluded?

Building and contents against flood: up to $250,000 building / $100,000 contents for homes. Basements, outdoor property, loss of use, and vehicles are excluded.

Who is Travelers homeowners best for in Georgia?

Travelers fits North Atlanta homeowners with higher-value homes, clean claims history, and newer or well-maintained roofs.

Do I need hired and non-owned auto (HNOA) coverage?

All FAQs

Quick answer: Hired and non-owned auto (HNOA) covers your business liability when employees use their personal vehicles for work or when you rent vehicles.

If anyone drives for your business in a vehicle your company does not own, hired and non-owned auto coverage, often called HNOA, fills a gap that a standard commercial auto policy leaves open. That includes employees running errands in their own cars, renting a vehicle for a job, or using a personal truck to make deliveries. HNOA is available through Olive Cover.

What does a standard commercial auto policy actually cover?

A standard commercial auto policy covers vehicles titled to your business. It does not protect your company when an employee causes an accident in a personal or rented vehicle while working. The employee's personal auto policy carries liability coverage, but personal policies often exclude claims that arise from business use, leaving your company exposed to a lawsuit with no coverage responding on its behalf.

When does HNOA apply?

HNOA responds in two main situations. First, when an employee uses a personal vehicle for work, such as driving to a client meeting, picking up supplies, or making a delivery. Second, when your business rents or borrows a vehicle that is not on your commercial fleet. In both cases, the personal auto policy of the driver and the rental company's coverage may both fall short, and HNOA steps in to protect your business from the resulting claim.

For example, imagine an employee at your Atlanta marketing firm drives her own car to drop off materials and rear-ends another driver, causing $90,000 in injuries and damage. Her personal policy might deny the claim because she was working, and your business could be sued directly. With HNOA in place, your policy responds and protects the company.

For example, if you rent a truck for a busy delivery week and an employee causes an accident, that vehicle is not listed on your commercial auto policy. HNOA is what stands between your business and the claim in that situation. Many owners are surprised by how often their team uses personal or rented vehicles for errands, client visits, and supply runs without anyone tracking the insurance gap.

How does HNOA interact with a BOP or general liability policy?

HNOA is usually inexpensive, especially when added alongside a business owners policy (BOP) or a general liability policy. Because the cost is low relative to the exposure it closes, it is one of the easier coverage gaps to address. For more on how Georgia commercial auto minimums are set, see our FAQ on Georgia commercial auto minimums. If you are weighing whether a BOP is the right fit for your business, our FAQ on which businesses qualify for a BOP covers the criteria.

Do all businesses need HNOA?

Not all businesses carry the same exposure. A company where employees never use personal or rented vehicles for work has little HNOA risk. But for most service, retail, and contracting businesses, some form of non-owned auto use happens regularly, often without the owner being aware of it. Delivery, client visits, supply pickups, and off-site jobs all create exposure.

If your contracts require proof of auto coverage beyond your fleet, a certificate showing HNOA can satisfy that requirement. Our FAQ on BOP cost versus separate policies explains how bundling can affect total premium. To confirm whether HNOA belongs in your program and how to add it, get a free coverage review.