Hired & Non-Owned Auto

Focus:

The James River Auto Division specializes in providing Hired and Non-Owned Auto (HNOA) coverage. HNOA is crucial for businesses as it helps protect against liability claims for property damage or bodily injury caused by a driver employed, hired or contracted by the insured to perform work on their behalf. Lawsuits stemming from accidents can lead to substantial legal fees and settlement costs, even if the business is not at fault and accidents involving business-related activities can harm the company's reputation. We cater to a diverse array of classes and exposures, from incidental or contractually required HNOA—commonly needed by habitational and property management risks, retail businesses and contractors —to more extensive auto and road exposures associated with off-premise exposures including, delivery, outside sales, consultation and service operations.

As pioneers in delivering solutions for new and unique business models, particularly those spurred by the gig economy, we have become the go-to provider for HNOA needs in various sectors, such as Non-Emergency Medical Transportation,  Black Car/Limo Aggregator Dispatch, Home Health Care, Realty and many more service oriented operations. Whether your client employs workers, independent contractors, or third-party business vendors, we have the expertise to address their distinctive HNOA risks.

•    Incidental or Contractual HNOA
•    Last Mile Package Delivery
•    Grocery/Personal Shopper
•    Cannabis Delivery
•    Consultant or Traveling Educators
•    Political Campaigns

•    Black Car Dispatch (TLC)
•    Non-Emergency Medical Transport
•    Driver/Chauffeur “We Drive Your Car”
•    Medical Supply or Pharmacy Delivery
•    Janitorial/Cleaning Services
•    Special Event Auto Concierge

•    Nursing Homes or Home Health Care
•    Translation/Interpreter Services
•    Delivery/Livery Aggregator
•    Mobile Laundry Services
•    Traveling Medical/Phys Therapy Svcs 
•    Automobile Inspection services