Specialized Insurance
Hired & Non-OwnedAuto Insurance
Standalone HNOA coverage for businesses of all sizes.
PT Edwards provides specialized Hired & Non-Owned Auto (HNOA) liability coverage for businesses whose employees rent vehicles or drive personal vehicles for company purposes — with no commercial auto policy required.
Our Product
Hired & Non-Owned Auto (HNOA)
HNOA coverage protects businesses from liability arising out of vehicles they don't own — whether hired, rented, or driven by employees on personal auto. PT Edwards offers standalone HNOA policies with limits up to $3M CSL, plus excess coverage up to $10M for accounts that need it.
Hired Auto Liability
Covers rented and leased vehicles used for business purposes.
Non-Owned Auto Liability
Covers employee-owned vehicles driven on company business.
Excess HNOA Available
Additional limits above primary HNOA or commercial auto, up to $10M.
No Underlying Auto Required
Standalone policy — no commercial auto policy needed to qualify.
Our Mission
Built for the HNOA Market
PT Edwards is a specialty MGA focused exclusively on Hired & Non-Owned Auto. We work directly with agents and brokers to provide fast, accurate quotes and straightforward coverage for businesses that need HNOA protection.
Learn More About UsReady to Protect Your Business?
Speak with a specialist about HNOA coverage tailored to your fleet and business needs.