Speaking of Insurance

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?

Aaron 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.

What we cover:

  • What hired vs non-owned means on a certificate request
  • When stand-alone HNOA or an endorsement can answer a COI
  • When owned vehicles need a full commercial auto policy
  • How to brief a broker with COI wording, vehicle use, and drivers

Resources:

Get quoted: Compare coverage options with Bollinsure Insurance Services at www.bollinsure.com/quote, or call 562-268-9355.

This 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.

What is Speaking of Insurance?

Insurance, explained clearly by a family with three generations of expertise. Speaking of Insurance from Bollinsure Insurance Services features California insurance conversations with Brian Bollinger and Aaron Bollinger, covering home, auto, business and personal umbrella topics. Find episode transcripts and related resources at https://www.bollinsure.com/podcast.