Does your company use your personally owned vehicle for your production company? Do you rent grip trucks or use other peoples’ vehicles during your film production? 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 (sometimes abbreviated as HNOA) protects the assets of the business when operating vehicles not specifically owned by the business. This HNOA coverage can typically be packaged along with the production policy that includes General Liability Insurance.