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

Kentucky Hired and Non-Owned Auto Coverage

Kentucky generally requires an owner or operator to continuously provide security for a vehicle while it is present or registered in the Commonwealth, including basic reparation benefits and tort liability, with exceptions for public entities and approved self-insurance. For PIP, Kentucky ordinarily looks first to the security covering the vehicle occupied by the injured person; for a pedestrian, it looks to the vehicle that struck the pedestrian. If no security covers the vehicle, the injured person’s other applicable basic-reparation contract may apply. This payment order concerns first-party PIP benefits, not who is legally at fault or whether employer HNOA covers the trip.

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.

Kentucky Hired and Non-Owned Auto Insurance Requirements

Requirement	Details
Security applies to the vehicle in Kentucky	Except for specified government entities, KRS 304.39-080 requires an owner or operator to provide continuous security for a vehicle while it is present or registered in Kentucky, including security for basic reparation benefits and tort liability. Security may be insurance or an approved alternative. ¹

What to Watch for With Hired and Non-Owned Auto in Kentucky

PIP priority generally follows the occupied vehicle
KRS 304.39-050 makes the security covering the vehicle occupied by an injured person the applicable basic-reparation insurance; for a pedestrian, the first security is on the vehicle that struck them. If that obligor does not pay within 30 days after reasonable proof, another contract under which the person is a basic-reparation insured may apply, with reimbursement rights between obligors. ²
A gap in vehicle security changes the PIP path
If no security covers the vehicle, KRS 304.39-050 points to any contract of basic-reparation insurance under which the injured person is insured. It also limits recovery to one reparation obligor and generally no more than $10,000 for the same accident. This is a PIP payment rule, not a liability determination or HNOA coverage grant. ²
Public vehicles have a statutory option
KRS 304.39-080 treats governmental vehicles separately: state or local public entities and the United States or another state may provide security for basic-reparation benefits for their permitted vehicles. The ordinary owner/operator rule should not be applied to those entities without checking the statute and the entity’s own arrangements. ¹

Providers With Kentucky 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 Kentucky. 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. ¹³
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

Who Regulates Insurance in Kentucky?

Kentucky Department of Insurance

The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-595-6053 (option 1, Kentucky only)

Surplus-Lines Tax and Stamping Office in Kentucky

Reported tax rate. 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply ^6,^9,^7,^8,¹⁰

When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.

Questions to Ask Before You Buy Hired and Non-Owned Auto in Kentucky

Which vehicle was occupied when the employee was injured, and what security or basic-reparation policy covers it?
Was the employee a pedestrian, and if so, what security applies to the vehicle that struck them?
Is this about PIP medical benefits, third-party tort liability, or employer HNOA policy response?

Hired and Non-Owned Auto Insurance in Kentucky: FAQ

Which policy pays Kentucky PIP first when an employee is injured in a work vehicle?

KRS 304.39-050 generally points first to the security covering the vehicle the injured person occupied. For a pedestrian, it points to the security on the vehicle that struck the pedestrian. The statute addresses basic-reparation benefits, not liability fault or a separate employer HNOA policy. ²

Who must provide vehicle security in Kentucky?

Except for specified governmental entities, KRS 304.39-080 requires every owner or operator of a vehicle registered in Kentucky or operated there with the owner’s permission to continuously provide security while the vehicle is present or registered in the Commonwealth. The statute allows insurance or qualifying self-insurance. ¹

Sources

17 documents, numbered as cited. Open the sources

Sources for Hired and Non-Owned Auto Insurance in Kentucky

1
KRS 304.39-080: Security Covering Motor Vehicle. Kentucky Legislative Research Commission; § 304.39-080(3)–(7): government exceptions; owner/operator continuous security requirement for registered or permissively operated vehicles; insurance and self-insurance methods. Accessed 2026-09-28.
2
KRS 304.39-050: Priority of Applicability of Security for Payment of Basic Reparation Benefits. Kentucky Legislative Research Commission; § 304.39-050(1)–(3): occupied-vehicle priority, pedestrian rule, fallback when vehicle security is absent, one-obligor/benefit cap. Accessed 2026-09-28.
3
Kentucky Department of Insurance. Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
4
Insurance License Lookup. Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
6
KRS 304.10-180. Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
7
Local Government Premium Taxes. Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
8
KRS 304.10-090. Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
9
KRS 136.392. Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
10
Surplus Lines. Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
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.
13
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.
14
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.
15
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.
16
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.
17
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.

Kentucky Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

Kentucky Hired and Non-Owned Auto Insurance Requirements

What to Watch for With Hired and Non-Owned Auto in Kentucky

PIP priority generally follows the occupied vehicle

A gap in vehicle security changes the PIP path

Public vehicles have a statutory option