Definition: Hired and non-owned auto covers your business’s liability when employees drive their own or rented vehicles for work errands.

Why it matters for salons and spas

Salons that send staff for supplies, deposits or mobile appointments may need HNOA; personal auto policies may not respond to business use.

Example

An assistant rear-ends another car while picking up supplies; HNOA protects the salon.

Related terms

General Liability · Umbrella Policy

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