Hired & Non-Owned Auto Insurance

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Hired & Non-Owned Auto Insurance Coverage

HNOA insurance generally covers for commercial liabilities and defense costs due to car accidents while driving a hired auto or non-owned auto. Examples of hired auto could be a rental car or company car used for work purposes. A non-owned auto could be a personal car an employee uses to run business errands,

What Types of Businesses Should Consider Hired & Non-Owned Auto Insurance?

Businesses who frequently travel by rental car or whose employees use their personal vehicles in business operations could get an HNOA endorsement added to their commercial auto policy to protect themselves. Examples can include realtors who regularly show open houses and contractors who visit clients’ homes,

The Launchpad Quote System


321 LaunchPad is changing how businesses discover and qualify insurers, connecting thousands of businesses to one of hundreds of agents & carriers


Our entire business was built to save time and reduce uncertainty in the commercial insurance application process


Our commercial insurance specialists educate customers on coverage options that are a proven fit for the business
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Something many businesses don't know is that commercial insurance carriers have preferences for which types of businesses they insure.

The problem for most business owners is that they don't know which carrier is the best fit for their business, leading to high premiums or declined applications for coverage .

The 321 LaunchPad is connected to the largest network of commercial insurers available anywhere. We match your business with a qualified insurer so you get the right coverage for a fair price.

Submit a quote request and we'll get in touch, or give us a call at:
(234) 230-6321