In addition there are numerous other lines to consider based on how you run your operation. It may be necessary to purchase HNO (Hired & Non-Owned) in the event that you do not actually own the vehicles or have them titled to your company. Non-Owned coverage can also provide protection for employee utilization of personal vehicles while for purposes of the company.

Trailer Interchange Liability Insurance and Non-Owned Trailer Coverage is another important coverage option to consider if you are pulling trailers that are not owned by your company.