Bank Deposit Errands
An employee causes a multi-vehicle accident while driving their personal car to deposit daily cash receipts at the bank for your station.
Coverage
Hired & Non-Owned Auto (HNOA) Insurance for Gas Stations
Protect your station from devastating third-party liability claims when employees drive personal or rented vehicles for business errands.
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Hired and non-owned auto insurance for gas stations covers your station's legal liability when an employee uses their own personal vehicle, or a rented car, for station business like making a bank deposit or picking up parts for the repair bay. Your business is not covered by your employee's personal auto policy, and your station's commercial auto insurance generally does not provide coverage. HNOA insurance for a gas station closes this exact liability gap.
What's covered
What HNOA Covers
Hired and non-owned auto insurance for gas stations provides crucial liability protection when unowned vehicles perform work-related tasks:
Know the gaps
What It Doesn't Cover
Hired and non-owned auto insurance for gas stations maintains clear coverage boundaries and does not cover:
Do you need it
Who Needs HNOA Insurance
Many station owners mistakenly believe that carrying commercial auto insurance on station-owned vehicles automatically protects them if an employee drives their own vehicle for a work task. When asking whether commercial auto covers employee vehicles, the answer is no. Any gas station where staff members use personal cars for business purposes such as picking up repair bay components, fetching store supplies, or dropping off cash deposits has a direct liability exposure. Without hired and non-owned auto insurance for gas stations, your business remains vulnerable to third-party injury and property damage lawsuits.
Pricing
What HNOA Insurance Costs
HNOA insurance for a gas station is typically an inexpensive endorsement, often adding between $100 and $300 per year ($8 to $25 per month) to a primary liability policy, according to commercial insurance rating benchmarks. The primary cost drivers are how often employees use their vehicles for business-related activities, driver motor vehicle records (MVRs), and your liability coverage limits.
See comprehensive underwriting criteria on our gas station insurance cost breakdown page.
What a claim looks like
Example Claim
An employee is driving his personal vehicle to his replacement brake rotor, striking a sedan in your repair bay while he is driving in the wrong direction. An employee is sued along with your business, and you settle for $35,000 in bodily injury. An HNOA insurance policy for a gas station would pay your station's $35,000 liability settlement and legal defense costs and would protect your business from a major out-of-pocket loss.
How it fits
How It Fits With Your Other Coverage
Hired and non-owned auto insurance for gas stations acts as a vital bridge within your overall risk management portfolio. Commercial auto insurance covers vehicles registered in your business name, and HNOA insurance for a gas station addresses the liability associated with vehicles operated by your business that are not owned or leased by your company. HNOA is most often offered as an endorsement on top of your general liability insurance or 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. An employee's personal auto policy primarily protects the employee and their own vehicle. If an accident occurs during a work task, the injured party can sue your business directly, and your employee's personal policy will not defend your gas station.
Does HNOA apply to repair bay parts runs, not just deliveries?
Yes. HNOA insurance for a gas station covers any authorized business errand, including driving to auto supply stores to pick up tools or vehicle components for your station's repair shop.
Get Covered
Protect your gas station against unexpected vehicle liabilities when staff members hit the road for business errands. Secure tailored hired and non-owned auto insurance for gas stations today. Get your fast, free quote now from Insure C-Store.