Liability and physical damage coverage for business-owned vehicles, fleets, and non-owned auto exposures. Whether you operate one vehicle or a hundred, we structure programs that match your operational risk.
Bodily injury and property damage liability for vehicles owned, leased, hired, or borrowed in the course of business. Covers your drivers and your business when a vehicle-related incident results in a third-party claim. Limits structured to match your contractual requirements and asset exposure.
Coverage for damage to your business vehicles from collision, theft, vandalism, weather, and other covered perils. Valuation options include actual cash value and agreed value for specialty or high-value vehicles used in business operations.
When employees use personal vehicles for business purposes or you rent vehicles for business use, your standard commercial auto policy may not respond. HNOA coverage fills this gap — protecting the business from liability arising from vehicles it does not own.
For businesses operating five or more vehicles, fleet programs offer consolidated coverage, unified billing, and access to telematics-based pricing. Driver monitoring, loss prevention programs, and fleet safety consulting are available to reduce your total cost of risk.
Share your fleet details for a confidential commercial auto assessment.