--- title: "The Hartford Hired and Non-Owned Auto Insurance" description: "The Hartford offers hired and non-owned auto insurance for businesses that rent or borrow vehicles or have employees drive their own for work." canonical: "https://thegeneralaverage.com/insurance-providers/the-hartford/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" provider: "the-hartford" 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/the-hartford/hired-non-owned-auto) ## Agent Guide **What this page is:** What The Hartford 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 The Hartford 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 The Hartford Hired and Non-Owned Auto Insurance offer this coverage? - What does The Hartford Hired and Non-Owned Auto Insurance cover and exclude? - Who is The Hartford Hired and Non-Owned Auto Insurance designed for? **Key facts:** - Provider slug `the-hartford`; 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 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/the-hartford) — parent: provider profile # What Does Hired and Non-Owned Auto Insurance from The Hartford Cover? Product: The Hartford Hired and Non-Owned Auto Insurance (HNOA). Provider: The Hartford. Coverage line: Hired and Non-Owned Auto Insurance. ## Quick Answer The Hartford offers hired and non-owned auto insurance for businesses that rent or borrow vehicles or have employees drive their own for work. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") ## The Hartford Hired and Non-Owned Auto Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Not publicly disclosed | 1 | | How to Apply | Company-reported | 1 | ## What Is The Hartford’s Role in Hired and Non-Owned Auto Insurance? - The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23.) ## Who Is The Hartford Hired and Non-Owned Auto Insurance For? - The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23.) ## Coverage Features of The Hartford Hired and Non-Owned Auto Insurance - The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.) ## How Do You Apply for The Hartford Hired and Non-Owned Auto Insurance? - Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23.) ## What We Couldn’t Find About The Hartford Hired and Non-Owned Auto The reviewed sources do not settle these. Confirm them with The Hartford or a broker before relying on them. - **Limits and Retentions (Not publicly disclosed):** The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. [1](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Scope: HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit.) ## The Hartford vs Other Hired and Non-Owned Auto Insurance Providers - [The Hartford vs AIG](https://thegeneralaverage.com/compare/aig-vs-the-hartford) - [The Hartford vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-the-hartford) - [The Hartford vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) - [The Hartford vs CNA](https://thegeneralaverage.com/compare/cna-vs-the-hartford) - [The Hartford vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-the-hartford) - [The Hartford vs Founder Shield](https://thegeneralaverage.com/compare/foundershield-vs-the-hartford) ## Other Coverage Lines From The Hartford - [The Hartford Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy) - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) - [The Hartford Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/inland-marine) - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) - [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability) - [The Hartford Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) ## Related Reading - [The Hartford Profile](https://thegeneralaverage.com/insurance-providers/the-hartford) - [The Hartford Reliability](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://thegeneralaverage.com/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) ## Sources for The Hartford Hired and Non-Owned Auto Insurance 1. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? Accessed 2026-09-23. ## How to Cite This Page The Hartford Hired and Non-Owned Auto Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/the-hartford/hired-non-owned-auto. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). 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