Coverage Overview
Covers liability arising from the use of vehicles not owned by the business — including employee-owned vehicles used for business purposes and rented vehicles.
Key Coverage Features
Who Needs This Coverage?
Businesses whose employees use personal vehicles for work or who rent vehicles for business use.
Why Businesses Choose Vesper for HNOA
Licensed in multiple states — serving commercial clients from Georgia and Connecticut to Texas, Virginia, and beyond
100+ years of combined insurance experience across commercial lines, specialty markets, and hard-to-place risks
Access to both admitted and non-admitted (E&S) markets for competitive pricing and broad coverage terms
Specializing in high-risk commercial sectors that generalist agencies turn away
Dedicated claims advocacy — we stand in your corner when a claim occurs
Related Coverage Lines
Commercial Auto
Liability and physical damage coverage for vehicles owned by your business, including cars, trucks, vans, and specialty vehicles used in commercial operations.
Learn MoreMotor Carrier Auto Liability
Federal and state-mandated liability coverage for trucking companies and motor carriers operating under FMCSA authority.
Learn MoreMotor Truck Cargo
Covers the freight or commodity hauled by a for-hire trucker against loss or damage while in transit.
Learn MoreGet Coverage
Request a Quote
Get competitive pricing for HNOA from our team of specialists.
Request a Quote