Hired & Non-Owned Auto



Our Auto division considers a wide variety of larger-sized Hired and Non-Owned Auto Liability (HNOA) risks.  In addition to the traditional HNOA risks, we are a leading provider of auto coverage for mobile application (mobile app) or website networks that connect customers to independent contractors for a broad range of services.

Target Classes:

Delivery of Goods or Services

  • Food Delivery
  • Last Mile Package Delivery
  • Appliance or Bulky Item Delivery
  • Grocery/Personal Shopper Services
  • Aggregator of Delivery Service Providers
  • On-Demand Vehicle Porter (i.e., take your car for service)
  • Cannabis Delivery Service

Livery Based Services

  • Black Car Dispatch (TLC)
  • Aggregators of Transportation Providers
  • Non-Emergency Medical Transportation
  • Driver/Chauffeur Services (including “We” drive “Your” car services)

Classes Not Available:

  • Owned Auto Coverage
  • Unaccompanied Minor Transportation
  • Intermediate or Long-Haul Trucking
  • Auto Dealer, Service or Repair
  • Bus/High-Capacity Vehicles (10+)
  • Towing/Roadside Services

Available Coverages:

  • Auto Liability (BI/PD)
  • Uninsured/Underinsured Motorist
  • PIP/MED Physical Damage
  • Drivers as Insureds
  • Manuscript Capabilities