Coverage line

An oversized hand passes a car key above a modest personal car carrying a work briefcase, linking private wheels to business errands.Illustration for The General Average

District of Columbia Hired and Non-Owned Auto Coverage

D.C. currently requires third-party auto liability, property-damage liability, and uninsured-motorist protection; personal injury protection is optional. A 2026 law sets a specific priority rule for vehicles rented under a written agreement: from October 1, 2027, liability coverage available to a renter or authorized driver will generally be primary over coverage maintained by the rental company unless the company agrees in writing to be primary. The law also raises required minimum limits on that date.

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

District of Columbia Hired and Non-Owned Auto Insurance Requirements

Requirement	Details
Current required auto coverages	D.C. law requires third-party bodily-injury liability, property-damage liability, and uninsured-motorist protection. Current statutory minimums include $25,000/$50,000 bodily-injury liability and $10,000 property-damage liability; personal injury protection is optional. ^1,³

What to Watch for With Hired and Non-Owned Auto in District of Columbia

Rental priority changes on October 1, 2027
For a motor vehicle rented under a written agreement, D.C. Law 26-155 makes valid and collectible liability coverage available to the renter or authorized driver primary for claims arising from use, operation, or possession during the rental period. Rental-company coverage becomes secondary or excess unless the rental company agrees in writing to provide primary coverage. The law does not remove the rental company’s own required financial-responsibility duties. Ask how this applies to your business’s rental agreements and policies. ²
Use the right limits for the trip date
The current code states minimum liability limits of $25,000/$50,000 for bodily injury and $10,000 for property damage. Law 26-155 raises those minimums to $50,000/$100,000 and $20,000, respectively, as of October 1, 2027. Review policies and rental procedures before that date. ^1,²
Optional PIP is a separate choice
D.C. makes personal injury protection optional, with benefits tied to an insured, an occupant of the insured vehicle, or a vehicle the insured is driving. If employees rent cars or use personal autos for work, ask whether any policy includes PIP and who qualifies; do not assume liability coverage answers medical or lost-income questions. ³

Providers With District of Columbia License Records

These providers publish a national listing for Hired and non-owned auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in District of Columbia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁴
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

Who Regulates Insurance in District of Columbia?

District of Columbia Department of Insurance, Securities and Banking

DISB licenses and supervises insurance companies and producers, enforces District insurance laws, and provides consumer complaint assistance. Its licensing search covers insurance entities and representatives; consumers can contact the agency’s complaints unit for help. ^5,^6,⁸

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (202) 727-8000

Surplus-Lines Tax and Stamping Office in District of Columbia

Reported tax rate. Generally 2% of gross premium, including qualifying placement fees ^7,^9,^10,^11,⁴

When the District is the insured’s home state, surplus-lines agents and brokers generally owe a 2% tax on gross premium, including necessary fees incidental to placement when separately itemized. An agent or broker procuring insurance on behalf of the District government is exempt for that government business; claiming the exemption requires identifying its allocation in the required affidavit and does not waive other statutory duties. Ask the broker which taxes and fees your agreement passes through to you. DISB generally requires a diligent effort to place risks with authorized insurers. For a purchaser meeting the federal exempt-commercial-purchaser definition, the broker may skip that search only after disclosing that insurance may or may not be available from the admitted market, which may provide greater protection with more regulatory oversight, followed by the purchaser’s written request for nonadmitted placement. This record does not state a District-specific guaranty-fund conclusion.

Questions to Ask Before You Buy Hired and Non-Owned Auto in District of Columbia

Do company rentals use written agreements, and who controls whether available renter or rental-company liability coverage is primary?
Will the relevant policies meet D.C.’s higher minimum limits for trips on or after October 1, 2027?
Which employees qualify for any optional PIP or UM/UIM protection while driving or occupying a work-trip vehicle?

Hired and Non-Owned Auto Insurance in District of Columbia: FAQ

When does D.C.’s rental coverage-priority rule begin?

D.C. Law 26-155 applies as of October 1, 2027. For a vehicle rented under a written agreement, it generally makes liability security available to the renter or authorized driver primary over rental-company coverage, unless the company agrees in writing to provide primary coverage. ²

What are D.C.’s current minimum auto liability limits?

The current code states $25,000 per injured person and $50,000 for all injured persons for third-party bodily-injury liability, and $10,000 for property-damage liability. The 2026 law raises these amounts beginning October 1, 2027. ^1,²

Sources

18 documents, numbered as cited. Open the sources

Sources for Hired and Non-Owned Auto Insurance in District of Columbia

1
D.C. Official Code § 31-2406: Availability of required and optional insurance and benefits. D.C. Council Office of the General Counsel; § 31-2406(a)-(c): required property-damage, third-party liability, and uninsured-motorist coverage and current minimum limits. Accessed 2026-09-28.
2
D.C. Law 26-155: Motor Vehicle Insurance Modernization Amendment Act of 2026. D.C. Council Office of the General Counsel; §§ 2, 3: amendments to minimum limits; new § 31-2411(e-1) rental priority; applies October 1, 2027; law signed/effective August 14, 2026. Accessed 2026-09-28.
3
D.C. Official Code § 31-2404: Personal injury protection. D.C. Council Office of the General Counsel; § 31-2404(a)-(b): optional PIP and covered insured/occupant/driving situations. Accessed 2026-09-28.
4
D.C. Code §31–2502.40: License to procure policies from unauthorized companies. Council of the District of Columbia; Subsection (a): broker/agent tax and diligent effort; (c)(1)–(3): District-government procurement tax exemption, allocation statement and continuing duties. Accessed 2026-09-28.
5
Department of Insurance, Securities and Banking. District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
6
Verify a Financial Institution or Representative Licensed with DISB. District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
7
Surplus Line Information. District of Columbia DISB; Current 2% tax base including incidental placement fees; fees must be necessary and separately itemized; diligent-effort rule. Accessed 2026-09-28.
8
File a Complaint or Report Fraud. District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
9
15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes. U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): exclusive insured home-State authority to require nonadmitted premium tax; (c): separate allocation reporting. Accessed 2026-09-28.
10
15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): admitted-market disclosure about possible availability, greater protection and oversight followed by the qualified purchaser’s written request; eligibility separately defined in §8206(5). Accessed 2026-09-28.
11
15 U.S.C. §8206: Definitions. U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) exempt-commercial-purchaser criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
14
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
15
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
16
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
17
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
18
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

District of Columbia Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

District of Columbia Hired and Non-Owned Auto Insurance Requirements

What to Watch for With Hired and Non-Owned Auto in District of Columbia

Rental priority changes on October 1, 2027

Use the right limits for the trip date

Optional PIP is a separate choice