What should a California contractor prepare for a Commercial Auto review?

Prepare the business name, license or trade information, employee and payroll details, operations, vehicles or equipment when relevant, contracts, prior coverage, and claims history. A licensed team member can then review the request subject to carrier eligibility, policy terms, and underwriting.

How are Commercial Auto limits or terms selected for a contractor?

Limits and terms are not universal. They can be influenced by the contractor's actual work, contracts, employee duties, vehicle use, project requirements, prior loss history, carrier guidelines, and applicable California requirements. The appropriate structure must be reviewed for the individual operation.

Can Asena provide an exact price or guarantee coverage for this page?

No. Any indication is preliminary until complete information is reviewed. Availability, pricing, limits, effective dates, certificates, and coverage are subject to carrier eligibility, policy terms, underwriting, and written confirmation.

Hired & Non-Owned Auto Insurance for California Contractors

Most California contractors know they need commercial auto insurance for their owned vehicles. But what about rented vehicles or employees driving their personal cars on company business? This is where Hired and Non-Owned Auto (HNOA) coverage comes in.

What Is Hired Auto Coverage?

Hired auto coverage protects you when you rent or lease a vehicle for business purposes. If you rent a pickup truck to haul materials and cause an accident, your commercial auto policy (which only covers owned vehicles) will not respond — but hired auto coverage will.

What Is Non-Owned Auto Coverage?

Non-owned auto coverage protects your business when an employee drives their personal vehicle on company business and causes an accident. The employee's personal auto policy is primary, but if their limits are exhausted, your non-owned auto coverage provides additional protection.

HNOA Cost

HNOA is typically added as an endorsement to your GL or commercial auto policy for account-specific pricing. It is one of the most cost-effective coverages available.

Common Scenarios Requiring HNOA

Employees driving to pick up materials in their personal vehicle
Renting a truck or van for a large delivery
Using a rental car while traveling for business

Call Asena Capital Insurance Services at (858) 925-9555 to add HNOA to your policy.