{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"HNOA on Your COI: Stand-Alone Hired and Non-Owned Auto vs a Full Commercial Auto Policy","html":"","width":"100%","height":180,"duration":1100,"description":"A vendor just asked for hired and non-owned auto on your certificate. Does that mean you already have commercial auto, or is HNOA a different structure?\nAaron Bollinger of Bollinsure Insurance Services explains how California small businesses can read an HNOA COI request, what stand-alone hired and non-owned coverage is for, and when owned vehicles mean you need a full commercial auto policy instead of assuming a certificate line equals fleet coverage.\nWhat we cover:\n\nWhat hired vs non-owned means on a certificate request\nWhen stand-alone HNOA or an endorsement can answer a COI\nWhen owned vehicles need a full commercial auto policy\nHow to brief a broker with COI wording, vehicle use, and drivers\nResources:\n\nAll Speaking of Insurance episodes\nRead the companion guide: Employees drive for work, commercial auto, and HNOA in California\nGet quoted: Compare coverage options with Bollinsure Insurance Services at www.bollinsure.com/quote, or call 562-268-9355.\nThis episode is for general education only and is not legal, tax, or coverage advice. Coverage, eligibility, and pricing depend on the carrier, underwriting, and your policy terms.","thumbnail_url":"https://img.transistorcdn.com/Kwtahq_FfPLMUz7ez0spP-aXc8k-Jw0pJJEWOhgCwXY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iYzVi/Nzc1YjNjOTJiOTBj/NWNiMTNjMTQ5OGY2/MTBkYS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}