What Are the Key Differences Between Kinro and The Hartford Hired and Non-Owned Auto Insurance?
Published Policy Details Versus Small-Business Fit
The Hartford defines hired coverage for vehicles you rent, lease or borrow and non-owned coverage for employees’ personal vehicles used for business, and publishes inclusions and exclusions. Kinro names restaurants, cleaning firms, consultants and retailers as HNOA prospects and often pairs the policy with a BOP or GL. [5] [4] Choose The Hartford if you want detailed HNOA terms through an agent; choose Kinro if you run one of its named small businesses.
Typical Buyers
Kinro says HNOA commonly fits restaurants, cleaning businesses, consultants and retail, and typically comes up when employees use personal cars for errands or the business rents occasionally but owns no commercial fleet. The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for deliveries or client meetings, without naming those restaurant and cleaning trades. [4] [5]
Quote Process and Published Exclusions
Kinro asks who drives and how often, whether staff deliver, make sales visits or rent, and about driver policies and MVRs, often reviewing HNOA with BOP, commercial auto and general liability. The Hartford lists bodily-injury and property-damage payments and excludes damage to the hired or non-owned vehicle, staff injuries, theft from the vehicle, wear and tear and personal-use accidents. The Hartford does not sell HNOA online for small businesses and points buyers to a local agency or Tivly. Neither reviewed page publishes standard HNOA dollar limits. [4] [5]