What if my company doesn't own any vehicles?

Each TPA Network and Franchise partner may have unique requirements when it comes to Commercial Auto Insurance requirements. These requirements may extend to your organization even if you don't have any company owned vehicles.

If you have no company owned autos, and your network partner still requires some type of coverage equivalent, here are your options:

Obtain a HNOA (Hired and Non-Owned Autos) endorsement with equivalent $1,000,000 in combined single limit coverage. These endorsements can typically be obtained from your CGL or Business Owner's policy provider. Your agent or broker should be able to help you obtain this endorsement.

or

Obtain "Hired Autos" and "Non-Owned Autos" coverage from an auto insurance agent.