Hired & Non-Owned Auto Insurance in Temple, Texas

What Is Hired & Non-Owned Auto Insurance?

Hired and non-owned auto insurance—often called HNOA—covers your business's liability when accidents occur in vehicles you don't own. Hired auto coverage applies to rental cars and borrowed vehicles used for business. Non-owned auto coverage applies when employees drive their personal vehicles for work purposes. For Temple businesses without company vehicles, HNOA provides essential liability protection.

Winkler Insurance helps Central Texas businesses add affordable HNOA coverage to protect against claims arising from vehicles they don't own.

Why Temple Businesses Need HNOA Coverage

If anyone drives for your business—even occasionally—you have exposure. Here's why HNOA matters:

• Employee errands create liability. When employees drive to the bank, post office, or client meetings, you're exposed.


• Rental cars need coverage. Your personal auto policy may not cover business use of rental vehicles.


• Employee auto insurance may be insufficient. Their limits might not cover a serious accident, leaving your business liable for the excess.


• General liability excludes auto claims. Vehicle accidents are specifically excluded from GL policies.


• Coverage is affordable. HNOA typically adds just $200 to $500 annually to your policy.

What Does Hired & Non-Owned Auto Insurance Cover?

HNOA provides two distinct coverages:

Hired Auto Liability
Covers liability when your business rents, leases, or borrows vehicles for business use. If an employee renting a car for a business trip causes an accident, this coverage pays for damages to others.

Non-Owned Auto Liability
Covers liability when employees drive their personal vehicles for business purposes. Running errands, visiting clients, or making deliveries in personal cars all create exposure.

What HNOA Does Not Cover
HNOA covers liability only—damage to the hired or non-owned vehicle itself is not included. Employees need their own collision coverage for their personal vehicles. Rental car damage may require purchasing the rental company's CDW or having personal auto coverage that extends to rentals.

Who Needs Hired & Non-Owned Auto Insurance?

Any business where employees occasionally drive for work needs HNOA coverage:

• Businesses without company vehicles


• Companies where employees use personal cars for client visits


• Organizations that occasionally rent vehicles


• Businesses with employees running errands


• Companies with traveling sales staff

How Much Does HNOA Insurance Cost in Texas?

Hired and non-owned auto coverage is surprisingly affordable—typically $200 to $500 annually for most Temple businesses. It's often added as an endorsement to your general liability or business owners policy. Businesses with frequent vehicle use or many driving employees pay more. Winkler Insurance includes HNOA in your overall coverage review.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas businesses identify and close gaps in their auto liability coverage. As an independent agency, we often catch HNOA needs that other agents miss. Our Temple agents review your operations and ensure you're protected when employees drive for business.

Get a Hired & Non-Owned Auto Insurance Quote in Temple, Texas

Our commercial insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.