HIRED & NON-OWNEDAUTO INSURANCE
WHEN EMPLOYEES AND VOLUNTEERS DRIVE THEIR OWN CARS ON ASSOCIATION BUSINESS.
THE ASSOCIATION DOESN'T OWN A FLEET — BUT IT STILL HAS AUTO LIABILITY.
Every time a maintenance worker drives to the supply store, a treasurer deposits checks at the bank, or a board member drives to an inspection in their personal car, the association carries non-owned auto liability. If that driver causes an accident on association business, the injured party sues the association alongside the driver. The driver's personal auto policy does not cover the association.
Maintenance staff driving personal vehicles to pick up parts, supplies, and materials for association repairs.
Treasurers and admin staff making deposits, mailing packages, and running office errands.
Board members driving to meetings, inspections, vendor appointments, and attorney offices.
Trucks rented for community cleanup days, vans for board retreats, and temporary project vehicles.
TAP EACH SCENARIO TO SEE THE AUTO LIABILITY EXPOSURE.
Personal vehicles on association business create liability the association may not realize it carries. Tap each to see.
THE EMPLOYEE'S POLICY COVERS THE EMPLOYEE — NOT THE ASSOCIATION.
When an employee or volunteer causes an accident while running an association errand, the injured party's attorney names every available defendant — the driver individually and the association as the entity that sent the driver on the trip. The driver's personal auto policy covers the driver. It does not cover the association as a named insured. Without HNOA, the association must defend and pay the claim from its own reserves or face a judgment with no insurance response. HNOA also serves as the underlying auto policy for the umbrella — without it, the umbrella may lack a valid auto policy to sit above.
HNOA AUTO — ANSWERED.
WHAT DOES HNOA COVER FOR AN ASSOCIATION?
The association's liability when employees or volunteers use personal or rented vehicles for association business. Covers defense costs and damages when the association is sued for an accident on an errand it directed.
DOES THE ASSOCIATION NEED HNOA WITHOUT A FLEET?
If anyone ever drives a personal car for association errands — bank deposits, supply runs, vendor meetings — the association carries non-owned auto exposure. HNOA is specifically for associations without owned vehicles.
DOESN'T THE EMPLOYEE'S PERSONAL POLICY COVER THE ACCIDENT?
The employee's policy covers the employee. The association is a separate entity and is not covered by the employee's personal auto. HNOA covers the association's separate liability.
WHAT ABOUT BOARD MEMBERS USING THEIR CARS?
Board members driving to meetings, inspections, or appointments create the same non-owned auto exposure as employees. HNOA covers the association regardless of whether the driver is an employee or volunteer.
DOES HNOA COVER RENTED VEHICLES?
The hired auto portion covers vehicles rented or leased by the association for short-term use — rental trucks for cleanups, vans for retreats, temporary project vehicles.
HOW DOES HNOA INTERACT WITH THE UMBRELLA?
HNOA serves as the underlying auto policy for the umbrella. Without HNOA, the umbrella may lack a valid auto policy to sit above, creating a gap in the excess structure for auto claims.
COVER THE DRIVES YOUR PEOPLE MAKE ON ASSOCIATION BUSINESS.
Kelly Insurance Group adds HNOA to every association program where employees or volunteers use personal vehicles. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.