Bank and Supply Runs
One of the employees drives his/her car to the bank to make deposits and/or collect change, resulting in an accident.
Coverage
Hired & Non-Owned Auto (HNOA) Insurance for Convenience Stores
Close the coverage gap when employees use personal or rented vehicles for store errands.
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Hired and non-owned auto insurance for convenience stores protects a business's legal liability if an employee operates a vehicle for the store operations. Having a clerk drive to the bank each day to make a cash deposit or to retrieve emergency supplies is true driving exposure. In this case, the employee's personal auto policy or a typical commercial auto policy won't cover your business. HNOA fills this important coverage void.
What's covered
What HNOA Covers
HNOA insures your store against third-party bodily injury and property damage claims caused by driving accidents while you are on store time. Key coverage areas include:
Know the gaps
What It Doesn't Cover
Your business is protected by third-party liability handled by HNOA. It does not protect against the following:
Do you need it
Who Needs HNOA Insurance
Many store owners believe that their commercial auto policy will cover any errand they go on while operating their business. This is not true. Commercial policies will only provide coverage for vehicles owned, leased, or registered under the business name.
Your store is exposed to liability if you ever ask an employee to use his or her own car for work, even once a month to pick up supplies for your store. HNOA insurance small business protection is needed by any convenience store that utilizes personal automobiles for business-related tasks, regardless of the fact that they have any cars.
Pricing
What HNOA Insurance Costs
HNOA coverage is a low-cost add-on policy because it offers liability coverage only as opposed to physical damage coverage for company vehicles. It varies with vehicle usage, number of staff, and amount of sales.
The cost for an HNOA endorsement on a business owner's policy or general liability policy is usually between $100 and $300 per year or $8 to $25 per month. Check our comprehensive convenience store insurance cost guide for a breakdown of all convenience store insurance rates.
What a claim looks like
Example Claim
A shift manager, driving his own car, runs into the back of another vehicle and injures the driver transporting $4,000 in cash to the bank. The injured party files a claim against your store for $45,000 in medical expenses, as well as against the driver. If the manager's personal auto policy limit is exceeded, the remaining settlement and legal costs are covered by your store's HNOA insurance coverage.
How it fits
How It Fits With Your Other Coverage
HNOA is particularly responsible for non-owned and rented vehicles for errands. It complements Commercial auto insurance that covers vehicles registered in your company's name. HNOA is usually offered as an endorsement to your general liability insurance policy or a Business Owner's Policy (BOP).
The power of choice
We shop 30+ A-rated carriers so you don't have to.
- Travelers
- The Hartford
- Chubb
- Liberty Mutual
- Nationwide
- Zurich
- CNA
- Progressive
- Philadelphia Insurance
- Berkshire Hathaway GUARD
- biBerk
- AmTrust
- Employers
- Grange Insurance
- Columbia Insurance
- Encova
- Admiral Insurance Group
- Attune
- Coterie
- ERGO NEXT
- AmWINS
- CRC Group
- RT Specialty
- Burns & Wilcox
- Jencap
- Bass Underwriters
- Jimcor Agencies
- CharityFirst
Common questions
Frequently Asked Questions
If my employee has their own car insurance, do I still need HNOA?
Yes. When an employee's automobile accident happens while they are on the job, the personal auto policy coverage protects the employee and personal liability; however, insurers typically don't cover claims or defend an employer. HNOA insures your business against direct attacks to your store.
Do I need HNOA if my store doesn't own any vehicles?
Yes. The HNOA applies only to non-owned and rented vehicles for business errands. Even if the convenience store has no registered company cars, there are times when employees drive their personal cars to run errands for the store, which also require an HNOA.
Get Covered
Minimize liability exposure for your business through Insure C-Store from vehicle accidents involving employees when conducting business-related errands. Contact an insurance agent and find out today how to include hired and non-owned auto liability coverage on your policy.