Hired & Non-Owned Auto Insurance


Need to Fill the Gaps in Your Clients’ Auto and General Liability Insurance Plans? Help Is Available!

Hired and Non-Owned Auto (HNOA) Insurance provides vital liability coverage for bodily injuries or property damage that a company’s employees cause while driving cars for work-related purposes. This protection applies to vehicles that companies “hire” (think rental cars) as well as other vehicles that are not owned by the business (think personal employee vehicles that are used to perform work duties). We write all hired and non-owned auto insurance policies, with the exception of food delivery services.

Note: These programs do not cover collision damage; they are strictly designed to limit a business’s liability associated with negligence related to accidents. They also do not cover the actual driver, who may be personally liable for third-party injuries or property damage.

Whether you need monoline HNOA coverage or a combination of programs (General Liability and HNOA), our team of experts can help create a customized plan that fits your clients’ needs. We also provide Misc. General Liability as well!

A closeup picture of a person’s hand wrapped around a car door handle as they are about to open it

Hired & Non-Owned Auto Insurance


Need to Fill the Gaps in Your Clients’ Auto and General Liability Insurance Plans? Help Is Available

Hired and Non-Owned Auto (HNOA) Insurance provides vital liability coverage for bodily injuries or property damage that a company’s employees cause while driving cars for work-related purposes. This protection applies to vehicles that companies “hire” (think rental cars) as well as other vehicles that are not owned by the business (think personal employee vehicles that are used to perform work duties). We write all hired and non-owned auto insurance policies, with the exception of food delivery services.

Note: These programs do not cover collision damage; they are strictly designed to limit a business’s liability associated with negligence related to accidents. They also do not cover the actual driver, who may be personally liable for third-party injuries or property damage.

Whether you need monoline HNOA coverage or a combination of programs (General Liability and HNOA), our team of experts can help create a customized plan that fits your clients’ needs. We also provide Misc. General Liability as well!

Programs Offered


  • Black Car Limousine Service Insurance
  • Contracted Courier/ Messenger Service Insurance
  • Dispatcher and Transportation Broker Insurance
  • Non-Emergency Medical Transport Insurance
  • Sales Fleet Insurance
  • Subcontracted Trucking/Hauling Insurance
  • Insurance for companies who hire independent contractors to drive on their behalf
  • Insurance for companies who are required to carry HNOA by contract
  • And much more!

Limits


  • $1,000,000 per occurrence

Get in Touch with Us!

Have a question or want to learn more? Fill out the form here and we’ll respond to you within 1-2 business days. Thank you!

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Contact

USMC Insurance

P.O. Box 323

Tylersport, PA 18971

(215) 647-9600

Underwriting Services Management Co
 

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