What Does Hired and Non-Owned Auto Insurance from CNA Cover?
CNA sells hired and non-owned auto coverage as part of its commercial auto policy, covering bodily injury and property damage from rented or employee-owned vehicles used for business.
Commercial Auto – Hired and Non-Owned Auto · Updated
Who Is CNA Hired and Non-Owned Auto Insurance For?
CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. 2
Company-reported.The guide explains the exposure and is not itself policy language or an eligibility rule.
Coverage Features of CNA Hired and Non-Owned Auto Insurance
CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. 1
Company-reported.This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.
What Risk Services Come With CNA Hired and Non-Owned Auto Insurance?
CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. 1
Company-reported.These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.
How Do You Apply for CNA Hired and Non-Owned Auto Insurance?
A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. 3
Company-reported.The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.
CNA vs Other Hired and Non-Owned Auto Insurance Providers
Other Coverage Lines From CNA
Sources for CNA Hired and Non-Owned Auto Insurance
- Commercial Auto Insurance for Businesses. CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired and Non-Owned Auto Exposures. CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired / Non-Owned Auto Supplemental Application. CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. Accessed 2026-09-30.