Does your company use your personally owned vehicle for your company? Do you rent trucks or use other peoples’ vehicles during your work? Rental Vehicles that you rent under your business name will require hired and non-owned auto insurance liability. If you have employees’ that are using their own personal vehicles for the production then you would need to carry this hired and non-owned auto insurance liability for producers. Hired and Non Owned Auto Liability protects the assets of the business when operating vehicles not specifically owned by the business. This HNOA (abbreviation for Hired and Non Owned Automobile Liability Coverage). HNOA coverage can typically be packaged along with a commercial package policy or business owners policy.