FAQs

Contractor’s Tools and Equipment Insurance typically does not cover normal wear and tear, intentional damage, or losses caused by neglect. For coverage of general liability, you would need a [...]

A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left [...]

Yes, HNOA provides liability coverage when you use your personal vehicle for business tasks. However, it does not cover physical damage to your vehicle.

Yes, HNOA can often be added as an endorsement to an existing commercial auto or general liability policy, providing an additional layer of protection.

Yes, even occasional use of non-owned vehicles for business purposes can expose your business to significant risks. HNOA provides essential coverage for these scenarios.

HNOA does not cover physical damage to the hired or non-owned vehicle itself. For protection against damage to the vehicle, you would need comprehensive and collision coverage. [...]

Yes, surety bonds typically have a set term and need to be renewed upon expiration. The term length can vary depending on the type of bond and the requirements [...]

Yes, it is possible to get a surety bond with bad credit, though it may come with higher premiums. Many surety companies offer programs specifically designed for businesses with [...]

If a claim is made against your surety bond, the surety company will investigate the claim to determine its validity. If the claim is found to be valid, the [...]

The time frame to obtain a surety bond can vary based on the type of bond and the complexity of your business operations. Typically, it can take anywhere from [...]