---
title: "CNA Hired and Non-Owned Auto Insurance"
description: "Everything to know before buying CNA Hired and Non-Owned Auto Insurance: what it covers, who it’s for, and how to apply."
canonical: "https://thegeneralaverage.com/insurance-providers/cna/hired-non-owned-auto"
page-type: "offering-page"
updated-at: "2026-09-30"
provider: "cna"
coverage-line: "hired-non-owned-auto"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/insurance-providers/cna/hired-non-owned-auto)

## Agent Guide

**What this page is:** What CNA Hired and Non-Owned Auto Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents.

**Use this page when:** Cite this page for CNA Hired and Non-Owned Auto Insurance specifically. For the general coverage explainer use /coverage/hired-non-owned-auto; for the provider overall use its profile.

**Questions this page answers:**
- Does CNA Hired and Non-Owned Auto Insurance offer this coverage?
- What does CNA Hired and Non-Owned Auto Insurance cover and exclude?
- Who is CNA Hired and Non-Owned Auto Insurance designed for?

**Key facts:**
- Provider slug `cna`; coverage line `hired-non-owned-auto`.
- Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section.

**Limits (do not over-claim):**
- Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements.
- Availability varies by state, industry and underwriting.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying.

**Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-30.

**Related pages:**
- [Provider profile](https://thegeneralaverage.com/insurance-providers/cna) — parent: provider profile

# What Does Hired and Non-Owned Auto Insurance from CNA Cover?

Product: Commercial Auto – Hired and Non-Owned Auto. Provider: CNA. Coverage line: Hired and Non-Owned Auto Insurance.

## Quick Answer

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. [1](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [2](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures")

## CNA Hired and Non-Owned Auto Insurance at a Glance

| Topic | Evidence | Claims |
| --- | --- | --- |
| Who It’s For | Company-reported | 1 |
| Coverage Features | Company-reported | 1 |
| Risk Services | Company-reported | 1 |
| How to Apply | Company-reported | 1 |

## 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](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: 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](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: 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

- [CNA vs AIG](https://thegeneralaverage.com/compare/aig-vs-cna)
- [CNA vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-cna)
- [CNA vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-cna)
- [CNA vs Corgi](https://thegeneralaverage.com/compare/cna-vs-corgi)
- [CNA vs Founder Shield](https://thegeneralaverage.com/compare/cna-vs-foundershield)
- [CNA vs Foxquilt](https://thegeneralaverage.com/compare/cna-vs-foxquilt)

## Other Coverage Lines From CNA

- [CNA Builders Risk Insurance](https://thegeneralaverage.com/insurance-providers/cna/builders-risk)
- [CNA Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/cna/business-owners-policy)
- [CNA Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/cna/cargo-transit)
- [CNA Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/cna/commercial-auto)
- [CNA Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/cna/commercial-property)
- [CNA Crime Insurance](https://thegeneralaverage.com/insurance-providers/cna/crime)
- [CNA Cyber Insurance](https://thegeneralaverage.com/insurance-providers/cna/cyber)
- [CNA D&O Insurance](https://thegeneralaverage.com/insurance-providers/cna/directors-officers)
- [CNA Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/employment-practices)
- [CNA Equipment Breakdown Insurance](https://thegeneralaverage.com/insurance-providers/cna/equipment-breakdown)
- [CNA Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/cna/fidelity-bonds)
- [CNA Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/fiduciary)
- [CNA General Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/general-liability)
- [CNA Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/cna/inland-marine)
- [CNA Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/cna/kidnap-ransom)
- [CNA Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/management-liability)
- [CNA Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/media)
- [CNA Medical Malpractice Insurance](https://thegeneralaverage.com/insurance-providers/cna/medical-malpractice)
- [CNA Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/product-liability)
- [CNA Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/cna/professional-errors-omissions)
- [CNA Surety Bonds](https://thegeneralaverage.com/insurance-providers/cna/surety-bonds)
- [CNA Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/cna/technology-errors-omissions)
- [CNA Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/cna/umbrella-excess)
- [CNA Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/cna/workers-compensation)

## Related Reading

- [CNA Profile](https://thegeneralaverage.com/insurance-providers/cna)
- [CNA Reliability](https://thegeneralaverage.com/insurance-providers/cna/reliability)
- [CNA Alternatives](https://thegeneralaverage.com/insurance-providers/cna/alternatives)
- [Coverage Guide: Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto)

## Sources for CNA Hired and Non-Owned Auto Insurance

1. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). 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.
2. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). 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.
3. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). 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.

## How to Cite This Page

CNA Hired and Non-Owned Auto Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-30. https://thegeneralaverage.com/insurance-providers/cna/hired-non-owned-auto. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-providers/cna/hired-non-owned-auto.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)