Products
HNOA Overview
Comprehensive Hired & Non-Owned Auto insurance programs designed to protect your business from commercial auto liability risks.
What is HNOA Insurance?
Hired and Non-Owned Auto (HNOA) insurance provides liability coverage for businesses that use vehicles they don't own — including rented, leased, or employee-owned vehicles used for business purposes.
PT Edwards offers HNOA coverage issued by a Demotech 'A' rated U.S. insurer, providing robust financial protection through an HNOA insurance program that includes Commercial HNOA, Fleet HNOA, and Excess HNOA options. This coverage is backed by AM Best A- rated reinsurance and is structured under a master policy.
View Program DetailsProgram Highlights
- Standalone HNOA coverage for businesses of all sizes
- Fleet HNOA solutions with comprehensive liability protection
- Excess HNOA and HNOA over primary auto coverage
- Issued by a Demotech "A" rated U.S. insurer
- Backed by AM Best A- rated reinsurance
- Structured under a master policy for simplicity