If your employees ever rent, lease, or borrow vehicles for work purposes, your business could be at risk without the right coverage. That’s where Hired Auto Insurance comes in — a must-have protection that many business owners overlook until it's too late.

At Riseson Insurance , we help businesses across Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler stay protected and compliant with comprehensive commercial auto coverage — including Hired and Non-Owned Auto Insurance (HNOA).

Hired Auto Insurance covers vehicles your business doesn’t own but uses temporarily for business operations. This includes:

Rental cars used for business trips Leased vehicles for short-term projects Employee vehicles used occasionally for work (in some policies)

It typically pays for liability costs (like injuries or property damage to others) if there’s an accident while driving a rented or leased vehicle for business purposes.

Even if you don’t own a company fleet, your business is still exposed to risk if employees drive:

Rental cars to visit clients Borrowed vans for temporary jobs Leased trucks for transporting materials

Without hired auto insurance, your business could be held liable for damages caused by a rented or borrowed vehicle — even if it’s not on your commercial auto policy.

Businesses across Phoenix, Tempe, and Scottsdale, especially in industries like sales, construction, consulting, and event planning, often rely on temporary vehicle use — and that’s where coverage gaps become expensive.

Both cover vehicles not owned by your business, but they’re used differently:

Hired Auto Insurance: Covers vehicles you rent or lease for business Non-Owned Auto Insurance: Covers employee-owned vehicles used occasionally for business

Most businesses benefit from a combined HNOA policy, and we’ll help you customize one based on your operations.

We work with small businesses , contractors, nonprofits, and growing enterprises throughout:

Tempe – Startups and mobile professionals Phoenix – Regional headquarters and service providers Scottsdale – Real estate firms and consultants Tucson – Construction crews and tech companies Gilbert – Family-owned businesses Chandler – Expanding service-based companies

Wherever you’re located, we’ll make sure your business stays compliant and covered — with local service you can trust.

Protect your people, your business, and your peace of mind. Our licensed agents will review your risk exposure and recommend the right Hired Auto Insurance policy — no jargon, no pressure.

Call Riseson Insurance at 602-460-5470 for a free consultation and quote. Your local commercial insurance partner across the Valley and Southern Arizona.

What Is Hired Auto Insurance?

Why Your Arizona Business Might Need Hired Auto Coverage

What's the Difference Between Hired and Non-Owned Auto Insurance?

Serving Businesses Across Arizona

Get a Free Quote from Riseson Insurance Today

• Rental cars used for business trips
• Leased vehicles for short-term projects
• Employee vehicles used occasionally for work (in some policies)

• Rental cars to visit clients
• Borrowed vans for temporary jobs
• Leased trucks for transporting materials

• Hired Auto Insurance: Covers vehicles you rent or lease for business
• Non-Owned Auto Insurance: Covers employee-owned vehicles used occasionally for business

• Tempe – Startups and mobile professionals
• Phoenix – Regional headquarters and service providers
• Scottsdale – Real estate firms and consultants
• Tucson – Construction crews and tech companies
• Gilbert – Family-owned businesses
• Chandler – Expanding service-based companies