By Andrew Dolan, Vice President of Underwriting · USMC Insurance
Underwriting Services Management Co (USMC Insurance), an Excess & Surplus (E&S) lines MGA, writes hired and non-owned auto (HNOA) for movers, subcontracted trucking/hauling, couriers, and a wide range of trade and transportation risks nationwide. Coverage is $1,000,000 per occurrence — with an additional $1,000,000 excess available through Demeter — at a $2,500 minimum premium.
What is HNOA, and who needs a market for it?
Hired and non-owned auto covers a business’s liability for bodily injury or property damage caused in vehicles it doesn’t own — rented/hired vehicles, or employees’ personal cars used for work. Standard carriers often won’t write it monoline or shy away from moving, hauling, and courier risks, so brokers need a reliable E&S market.
Which HNOA risks does USMC target?
| Eligible target risks | Ineligible |
|---|---|
| Movers & subcontracted trucking/hauling, couriers/final-mile & messenger services, dispatchers & transportation brokers, non-emergency medical transport, luxury transportation, cannabis delivery & dispensary, sales reps, in-home health aids, property management, contractors, staffing (named-driver only), and businesses required to carry HNOA by contract | Rideshare (Uber/Lyft), food delivery, valet, and fuel/bio-waste haulers |
Why place HNOA with an E&S MGA?
An MGA like USMC holds delegated underwriting authority, so brokers get fast quotes on hard-to-place classes, monoline flexibility, and the option to add $1M of excess through USMC’s Demeter partnership — useful for movers and contractors who need higher limits.
Frequently asked questions
What is the HNOA limit?
$1,000,000 per occurrence, with an additional $1,000,000 excess available through Demeter.
What is the minimum premium?
$2,500.
Which risks are ineligible?
Rideshare, food delivery, valet, and fuel/bio-waste haulers.
Learn more about USMC’s Hired & Non-Owned Auto coverage or our Truckers & Movers general liability. Contact our team to place a risk.
See also USMC’s general liability coverage for truckers & movers.