Hired and non-owned auto insurance
Hired and non-owned auto (HNOA) is bought as an add-on to a policy you carry: symbols 8 and 9 on a business auto policy, ISO endorsement BP 04 04 on a businessowners policy, or a carrier's own endorsement on general liability. Progressive says a stand-alone HNOA policy exists but is rare. No primary source we found publishes an average premium; ERGO NEXT says its general liability with HNOA starts at $28 a month. The AmTrust and Admiral applications ask your rental spend, who drives their own cars for work, and five years of claims. It is liability for your business, excess over the vehicle's own insurance, and Progressive and ERGO NEXT say it does not pay to repair the vehicle.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
Is hired and non-owned auto a stand-alone policy or an endorsement?
Progressive says it is usually an endorsement: "Yes, but it's rare. HNOA coverage is usually added as an endorsement to a commercial auto, general liability, or BOP." Which policy it goes on follows from what you already carry.
A business with its own vehicles adds it to the business auto policy. Travelers says "Commercial auto policies don’t automatically cover vehicles you don't own," and the ISO business auto form covers only the autos whose symbols are "entered next to a coverage on the Declarations," so check that page before buying. State Farm adds that vehicles rented for long-term business use "should be insured on a business or commercial auto policy."
A business with no vehicles adds it to the BOP or general liability policy. On a BOP, BP 04 04 applies only where "a specific premium charge is shown in the Declarations or in the Schedule." ISO's general liability form excludes autos "owned or operated by or rented or loaned to any insured," so HNOA on a GL policy is the carrier's own add-on, and ERGO NEXT sells it only that way.
| Written on | Form | What to check before buying |
|---|---|---|
| Business auto policy | ISO CA 00 01, symbol 8 (hired) and symbol 9 (non-owned) | Both symbols next to liability on the declarations |
| Businessowners policy | ISO BP 04 04 | A premium shown for each part |
| General liability | The carrier's own endorsement | The endorsement number on the policy |
| Stand-alone | The carrier's own form | Progressive says it is rare |
How much does hired and non-owned auto insurance cost?
We found no primary source publishing an average HNOA premium. Of the five carrier pages this page cites, read on October 3, 2026, only ERGO NEXT prints a price that includes HNOA: general liability with HNOA "Starts at $28/month," based on existing premiums of active policies as of April 1, 2026. That is a general liability policy with HNOA added, not HNOA alone.
The others name what moves the price. The Hartford says "The annual amount you spend on renting vehicles can affect what you pay for non-owned auto coverage." ERGO NEXT lists how often you drive for work, vehicle types, the limits you choose, your state and your claims history. State Farm says "Prices are based on rating plans that may vary by state."
Progressive sets eligibility before price: its hired auto is "usually only available to businesses that spend less than $5,000 annually on rental cars," and non-owned "may be an option if fewer than 10 employees use their own vehicles for work." Any first number is an estimate. The ISO business auto form bases the premium on "the exposures you told us you would have" and recomputes it at audit, and AmTrust heads its hired and non-owned sections "Coverage Subject to Audit."
Which insurance companies sell hired and non-owned auto?
Some sell it online and some only through agents, and one large carrier's page sends buyers elsewhere. Each line is the company's own page or application, read on October 3, 2026.
| Company | How you buy it | What its own page says |
|---|---|---|
| Progressive Commercial | By phone, online or through independent agents | Adds HNOA to commercial auto, general liability or a BOP, within its rental-spend and employee limits |
| ERGO NEXT | Online, "no agent required" | Sells HNOA only as an add-on to its general liability; partners with Progressive for businesses that own vehicles |
| State Farm | Through a State Farm agent | Employers' non-owned car liability (ENOL), with hired car coverage added |
| Travelers | Through an agent | "Check with your agent to learn more about HNOA coverage" |
| The Hartford | Not online for small businesses | Has no product for it now; refers buyers to a local agency or Tivly |
| AmTrust E&S and Admiral | Through an agent | Publish their own HNOA applications, with a producing agency or agent's name on the form |
What does a hired and non-owned auto application ask?
Exposure and driver controls. AmTrust's application "must be signed and dated by an owner, officer or partner." It asks whether you own autos and already carry an auto liability policy for them, offers limits from $100,000 to $1,000,000, and asks your estimated rental cost, your employee count, how far non-owned autos may be driven, and whether you "Require evidence of auto insurance from employees or volunteers using personal autos?"
Admiral asks the "estimated annual cost of Hired Autos," how non-owned autos are used (errands, sales calls, cargo, product delivery, passengers), trips per day, and whether you "Obtain and review MVR’s on all drivers at least annually." Both ask about five years of claims in autos you did not own.
The agent signs too: AmTrust's producing agency declares the application was "complete and personally signed by the applicant." Answer from records, not memory: card statements for rentals, payroll for headcount, and the employee insurance proof you actually hold.
Who needs hired and non-owned auto coverage?
A business whose people drive for it in vehicles it does not own. Progressive lists: "Your employees use personal cars for company work. You rent, lease, or borrow vehicles for business use. You operate your business without company-owned vehicles but still require transportation." Travelers singles out delivery: "restaurants making deliveries have a greater HNOA exposure and more risk."
The other reason to buy it is a contract. Southern Utah University's February 2026 requirements, for vendors who will drive on its property, call for auto liability of "not less than $1,000,000 for bodily injury and property damage, including owned, hired and non-owned vehicle coverage." Kearns Improvement District's 2020 request for qualifications told contractors on a sewer project that their auto liability "shall cover owned, hired and non-owned vehicles." Whether HNOA alone meets a clause like that, for a business that owns no vehicles, is the holder's call.
Can a client be an additional insured on hired and non-owned auto?
Under the ISO forms, for liability that arises from what an insured did. The business auto form already insures "Anyone liable for the conduct of an 'insured' described above but only to the extent of that liability," and endorsement CA 20 48 schedules a named party on the same terms. On a BOP, BP 04 04 insures another person or organization "only for their liability because of acts or omissions of an insured." Whether a general liability add-on does the same depends on the carrier's endorsement.
Holders write the demand broadly. Kearns Improvement District's RFQ said "All liability insurance policies for the project shall include an endorsement naming the OWNER, ARCHITECT AND ENGINEER as additional insureds." Send the contract clause and the exact legal name with the application, so the carrier can say which endorsement answers it.
What to send for a hired and non-owned auto quote
The questions the AmTrust and Admiral applications ask, plus the policy it will be added to.
- 1.The declarations page of the policy you carry now: business auto, BOP or general liability
- 2.Any vehicle the business owns or leases long term, and its current auto policy
- 3.The last 12 months' rental spend and the vehicle types rented
- 4.Total employees, and how many drive their own cars for work
- 5.What the driving is: errands, sales calls, deliveries, passengers, trips per day
- 6.How far from your location employees drive
- 7.Your personal-vehicle policy, MVR checks, and the personal auto limits you require
- 8.Claims in the past five years involving vehicles you did not own
- 9.The contract's insurance clause and limit, if a client asks for hired and non-owned or additional insured
Does hired and non-owned auto include uninsured motorist coverage?
Not on a BOP: BP 04 04 adds only bodily injury and property damage liability. On a business auto policy, CA 99 10 can schedule a named person with uninsured motorists limits for cars he or she does not own; ask the carrier what its state uninsured motorists endorsement does for hired autos.
What is named non-owned auto coverage?
On a business auto policy it is CA 99 10, Drive Other Car Coverage, Broadened Coverage for Named Individuals. It makes any auto you don't own, hire or borrow a covered auto while a named individual or resident spouse drives it, except autos their household owns. Ask about it when an owner or officer has no car of their own.
Does non-owned auto cover a truck?
Only if the carrier agrees. AmTrust asks whether non-owned autos will be anything other than a car, van or pickup, and Admiral asks for counts of trucks and buses. A start-up mover told Redoubt in September 2026 it would rent Penske 16-ft box trucks job by job. When the renter supplies its own coverage, Penske's coverage page accepts "Any auto or hired autos" and rejects non-owned autos, so symbol 1 or symbol 8 satisfies it and symbol 9 does not.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. ISO BP 04 04 01 10, Hired Auto And Non-Owned Auto Liability, paragraph C, other insurance (specimen hosted by Touchpoint Markets)
“This insurance is excess over any primary insurance covering the "hired auto" or "non-owned auto".”
assets.touchpointmarkets.com, accessed October 3, 2026. Form wording; the policy issued to a business controls. Paragraph A limits the endorsement to bodily injury and property damage liability. - 3. ISO BP 04 04 01 10, paragraph B.2.1.d, who is an insured
“Any other person or organization, but only for their liability because of acts or omissions of an insured under a., b. or c. above.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 4. ISO CA 00 01 11 20, Business Auto Coverage Form, Section I, covered autos (specimen hosted by Touchpoint Markets)
“The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”
assets.touchpointmarkets.com, accessed October 3, 2026 - 5. ISO CA 00 01 11 20, symbol 8, Hired "Autos" Only
“Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees"”
assets.touchpointmarkets.com, accessed October 3, 2026. The sentence continues with partners, LLC members and members of their households. - 6. ISO CA 00 01 11 20, symbol 9, Non-owned "Autos" Only
“Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees"”
assets.touchpointmarkets.com, accessed October 3, 2026. The sentence continues: partners, LLC members or members of their households, but only while used in your business or your personal affairs. - 7. ISO CA 00 01 11 20, Section IV, other insurance
“For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 8. ISO CA 00 01 11 20, Section II.A.1.c, who is an insured
“Anyone liable for the conduct of an "insured" described above but only to the extent of that liability.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 9. ISO CA 00 01 11 20, Section IV.A.6, premium audit
“The estimated premium for this Coverage Form is based on the exposures you told us you would have when this Policy began. We will compute the final premium due when we determine your actual exposures.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 10. ISO CA 20 48 10 13, Designated Insured For Covered Autos Liability Coverage (IIAT InfoCentral)
“Each person or organization shown in the Schedule is an "insured" for Covered Autos Liability Coverage, but only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision”
iiat.org, accessed October 3, 2026 - 11. ISO CA 99 10 10 13, Drive Other Car Coverage – Broadened Coverage For Named Individuals (IIAT InfoCentral)
“Any "auto" you don't own, hire or borrow is a covered "auto" while being used by any individual named in the Schedule or by his or her spouse while a resident of the same household”
iiat.org, accessed October 3, 2026. The schedule has lines for Uninsured Motorists and Underinsured Motorists limits; the endorsement changes only coverages with a premium shown. It excepts autos owned by the named individual or a household member. - 12. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion g (specimen hosted by Touchpoint Markets)
“"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 13. Progressive Commercial, What Is Hired and Non-Owned Auto Insurance?, FAQ
“Is hired and non-owned auto insurance available as a standalone policy? Yes, but it's rare. HNOA coverage is usually added as an endorsement to a commercial auto, general liability, or BOP.”
progressivecommercial.com, accessed October 3, 2026. A carrier describing its own product and the market as it sees it; quoted as what Progressive says. - 14. Progressive Commercial, What Is Hired and Non-Owned Auto Insurance?, can you have both
“At Progressive Commercial, hired auto insurance is usually only available to businesses that spend less than $5,000 annually on rental cars. Non-owned insurance may be an option if fewer than 10 employees use their own vehicles for work.”
progressivecommercial.com, accessed October 3, 2026. Progressive's own eligibility, not a market rule. - 15. Progressive Commercial, What Is Hired and Non-Owned Auto Insurance?, how to get HNOA
“Call Progressive Commercial or get an online quote to add HNOA coverage to your commercial auto, general liability, or business owners policy (BOP).”
progressivecommercial.com, accessed October 3, 2026 - 16. Progressive Commercial, What Is Hired and Non-Owned Auto Insurance?, page footer
“We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.”
progressivecommercial.com, accessed October 3, 2026. The page prints no premium figure for HNOA; its other price lines are for renters, motorcycle and businessowners policies. - 17. Progressive Commercial, What Is Hired and Non-Owned Auto Insurance?, who needs it
“You should consider these protections if: Your employees use personal cars for company work. You rent, lease, or borrow vehicles for business use. You operate your business without company-owned vehicles but still require transportation.”
progressivecommercial.com, accessed October 3, 2026. The three sentences are list items on the page. - 18. Progressive Commercial, What Is Hired and Non-Owned Auto Insurance?, what it doesn't cover
“Damage to the vehicle: Physical damage to the hired or non-owned vehicle isn't covered.”
progressivecommercial.com, accessed October 3, 2026 - 19. Travelers, Hired and Non-Owned Auto Coverages (HNOA)
“Commercial auto policies don’t automatically cover vehicles you don't own, even when you use those vehicles for business.”
travelers.com, accessed October 3, 2026. The page prints one curly and one straight apostrophe in this sentence. - 20. Travelers, Hired and Non-Owned Auto Coverages (HNOA)
“Important limitations differ by carrier. Check with your agent to learn more about HNOA coverage.”
travelers.com, accessed October 3, 2026. The page prints no premium figure. - 21. Travelers, Hired and Non-Owned Auto Coverages (HNOA), the right coverage is important
“restaurants making deliveries have a greater HNOA exposure and more risk”
travelers.com, accessed October 3, 2026 - 22. The Hartford, Hired and Non-Owned Vehicle Insurance page, banner
“The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need. You may be able to get the coverage you're looking for through a local agency or with Tivly.”
thehartford.com, accessed October 3, 2026. Page last updated August 27, 2026. Its body text still describes the coverage as one The Hartford offers; the banner and the disclosure say otherwise. - 23. The Hartford, Hired and Non-Owned Vehicle Insurance page, disclosure
“The Hartford does not currently have a product available to provide the coverage described on this page.”
thehartford.com, accessed October 3, 2026 - 24. The Hartford, Hired and Non-Owned Vehicle Insurance page, what does non-owned auto coverage cost
“Frequency of renting vehicles: The annual amount you spend on renting vehicles can affect what you pay for non-owned auto coverage.”
thehartford.com, accessed October 3, 2026. The same list names claims history, type of vehicle and driving history. The page gives no premium figure. - 25. ERGO NEXT Insurance, HNOA Insurance page
“At ERGO NEXT, HNOA insurance is sold as an add-on to general liability insurance.”
nextinsurance.com, accessed October 3, 2026 - 26. ERGO NEXT Insurance, HNOA Insurance page, other types of business insurance
“You must have general liability to add HNOA insurance through ERGO NEXT.”
nextinsurance.com, accessed October 3, 2026 - 27. ERGO NEXT Insurance, HNOA Insurance page, does ERGO NEXT offer HNOA insurance
“ERGO NEXT offers HNOA as an optional add-on to general liability insurance for eligible businesses that use personal vehicles for work. If your business owns vehicles, we partner with Progressive to provide commercial auto insurance.”
nextinsurance.com, accessed October 3, 2026 - 28. ERGO NEXT Insurance, HNOA Insurance page, how to buy
“You’ll adjust the limits to fit your budget, and then buy coverage 100% online — no agent required.”
nextinsurance.com, accessed October 3, 2026 - 29. ERGO NEXT Insurance, HNOA Insurance page, what's typically not covered
“Damage to the rented vehicle or employee-owned vehicle itself (HNOA typically covers repair costs for vehicles that belong to others).”
nextinsurance.com, accessed October 3, 2026 - 30. ERGO NEXT Insurance, HNOA Insurance page, price
“How much does General Liability insurance with HNOA insurance cost? Starts at $28/month”
nextinsurance.com, accessed October 3, 2026. ERGO NEXT's own starting price for general liability with HNOA, quoted as what ERGO NEXT says on 2026-10-03; not an HNOA-only premium and not a market average. Of the five carrier pages cited here (Progressive Commercial, Travelers, The Hartford, ERGO NEXT, State Farm), re-pulled the same day, it is the only price that includes HNOA. - 31. ERGO NEXT Insurance, HNOA Insurance page, footnote to the starting price
“Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of April 1, 2026.”
nextinsurance.com, accessed October 3, 2026 - 32. ERGO NEXT Insurance, HNOA Insurance page, how much does HNOA insurance cost
“How often you or your employees drive for work. Types of vehicles used for business. Your business type and driving activities. The coverage limits you choose. The state where you operate. Your insurance and claims history.”
nextinsurance.com, accessed October 3, 2026. List items under "An HNOA insurance policy cost can vary depending on". - 33. State Farm, Employers' Non-Owned and Hired Car Coverages
“What is employers’ non-owned car liability (ENOL) coverage?”
statefarm.com, accessed October 3, 2026. The page describes hired car coverage as added to extend liability to vehicles hired, leased or loaned for short-term use. - 34. State Farm, Employers' Non-Owned and Hired Car Coverages, coverage is limited
“Vehicles leased or rented for long-term business use should be insured on a business or commercial auto policy.”
statefarm.com, accessed October 3, 2026 - 35. State Farm, Employers' Non-Owned and Hired Car Coverages, footnote
“Prices are based on rating plans that may vary by state.”
statefarm.com, accessed October 3, 2026. The page prints no premium figure. - 36. State Farm, Employers' Non-Owned and Hired Car Coverages, disclosure
“Contact a State Farm agent for more information and a customized quote.”
statefarm.com, accessed October 3, 2026 - 37. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application (MKT0166 7/17), instructions
“This application must be signed and dated by an owner, officer or partner.”
amtrustfinancial.com, accessed October 3, 2026. A 2017 edition, the copy AmTrust hosts today. The URL's MKT0165 and the footer's MKT0166 differ as printed. The signature block on page 3 says a Principal, Partner, Managing Member or Senior Officer must sign. - 38. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, Section I
“Coverage requested: Hired Auto Non-Owned Auto Hired & Non-Owned Auto Limits of liability requested: $100,000 $300,000 $500,000 $1,000,000”
amtrustfinancial.com, accessed October 3, 2026. Check-box labels, read in the PDF's text order. - 39. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, Section I
“Does the Applicant own any autos? Yes No Has the Applicant purchased an Auto Liability Policy to cover owned autos?”
amtrustfinancial.com, accessed October 3, 2026 - 40. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, Section II question 9
“What is your estimated cost to lease, hire, rent or borrow vehicles without drivers?”
amtrustfinancial.com, accessed October 3, 2026. Question 8 asks the same for vehicles with drivers; question 2 asks the percentage of private passenger, pickups or vans, truck tractors, heavy trucks and trailers. - 41. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, Section III question 11.d
“Require evidence of auto insurance from employees or volunteers using personal autos?”
amtrustfinancial.com, accessed October 3, 2026. Section III also asks the total number of employees, the maximum distance a non-owned auto may be driven from the premises, and whether non-owned autos are anything other than a car, van or pickup. - 42. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, Section II heading
“Section II – Hired Auto Information – Coverage Subject to Audit”
amtrustfinancial.com, accessed October 3, 2026. Section III, non-owned auto information, carries the same "Coverage Subject to Audit" heading. - 43. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, Section IV
“Please provide a description of any claim or loss arising out of the operation of an auto you did not own during the past five (5) years.”
amtrustfinancial.com, accessed October 3, 2026. Admiral's question 4 asks for hired or non-owned auto claims in the past five years. - 44. AmTrust E&S, Hired and Non-Owned Auto Supplemental Application, producer declaration, page 3
“that the application was complete and personally signed by the applicant and that a completed copy hereto has been given to the applicant. Name of Producing Agency:”
amtrustfinancial.com, accessed October 3, 2026. The declaration sits above the producing agency's name and the producing agent's signature line. - 45. Admiral Insurance Group, Hired & Non-Owned Auto Application (219APP0323), page 1 header
“HIRED & NON-OWNED AUTO APPLICATION Applicant Name: Agent’s Name: Mailing Address:”
admiralins.com, accessed October 3, 2026. Field labels, read in the PDF's text order. - 46. Admiral Insurance Group, Hired & Non-Owned Auto Application (219APP0323), question 7
“Please indicate the estimated annual cost of Hired Autos:”
admiralins.com, accessed October 3, 2026. Questions 6 and 10 ask the types and numbers of hired and non-owned autos: private passenger, multi-passenger van, bus, truck. - 47. Admiral Insurance Group, Hired & Non-Owned Auto Application (219APP0323), question 12
“Please indicate how Non-Owned Autos will be used: Errands Regular Sales/Service Calls Transportation of Cargo Product Delivery Transportation of Persons”
admiralins.com, accessed October 3, 2026. Check-box labels, read in the PDF's text order. - 48. Admiral Insurance Group, Hired & Non-Owned Auto Application (219APP0323), question 14
“If daily, please indicate: Average number of trips per day: Maximum number of trips per day:”
admiralins.com, accessed October 3, 2026 - 49. Admiral Insurance Group, Hired & Non-Owned Auto Application (219APP0323), question 3.c
“Obtain and review MVR’s on all drivers at least annually.”
admiralins.com, accessed October 3, 2026 - 50. Southern Utah University Risk Management, Insurance Coverage Requirements (February 1, 2026), automobile liability
“Automobile Liability combined single limit in an amount not less than $1,000,000 for bodily injury and property damage, including owned, hired and non-owned vehicle coverage.”
suu.edu, accessed October 3, 2026. Applies to external users and suppliers, including food trucks, who will drive on university property; charter bus companies carry $5,000,000. - 51. Kearns Improvement District, Cougar Lane Outfall 2A Sewer Relief Project RFQ (February 2020), Attachment B
“Auto Liability Insurance shall be comprehensive form and shall cover owned, hired and non-owned vehicles.”
utah.gov, accessed October 3, 2026. Posted on the Utah Public Notice Website. - 52. Kearns Improvement District, Cougar Lane Outfall 2A Sewer Relief Project RFQ (February 2020), Attachment B, item B
“All liability insurance policies for the project shall include an endorsement naming the OWNER, ARCHITECT AND ENGINEER as additional insureds.”
utah.gov, accessed October 3, 2026 - 53. Penske Truck Rental, Coverage page, customer-supplied coverage insurance requirements
“Acceptable: Any auto or hired autos; these cover any auto on contract Unacceptable: Scheduled autos; all owned autos, non-owned autos, non-trucking.”
pensketruckrental.com, accessed October 3, 2026. Penske's own requirement for a renter who brings its own coverage. A line break separates the Acceptable and Unacceptable lines on the page. - 54. Redoubt internal record 0e8877b4, text from a Utah start-up residential mover, September 17, 2026
“P: I’ll primarily be renting Penske 16-ft box trucks (12,600 lb GVWR) on a job-by-job basis, with U-Haul potentially used as a backup.”
Redoubt agency records, accessed September 17, 2026. Redoubt's own experience: what a prospect told us. Not a fact about Penske or any carrier.
Employees drive their own cars for the business and the owner wants to know who pays
Hired and non-owned auto: what it covers, what it does not, the employee's own policy, and the employer's exposure.
Elsewhere on the site
Need hired and non-owned auto for a contract or a new driver?
Text Redoubt the contract's insurance clause, the policy you carry now, how many people drive their own cars for work, and roughly what you spent on rentals last year. We will tell you which policy it belongs on and what the carrier will want to see.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.