Hired & Non-Owned Auto Insurance for Restaurant Success Summary

Helpful Facts

  • Hired & Non-Owned Auto Insurance (HNOA) is crucial for restaurants, providing robust protection for their vehicles.
  • HNOA covers damage to other vehicles and property in work-related accidents, liability for leased or rented vehicles, and legal expenses.
  • However, it does not cover the repair costs of leased, rented, or employee-owned vehicles involved in accidents.
  • It also excludes accidents during employee commutes or personal errands during work hours.
  • HNOA acts as secondary coverage and can be added to general liability insurance or a business owner's policy, making it suitable for various businesses, including restaurants.