Primary Non-Owned Auto (PNOA)
Primary Non-Owned Auto (PNOA) is a new product designed to address the needs of businesses in the health and human services industry. PNOA auto insurance purchased by a business or non-profit organization providing primary auto liability and optional physical damage for employees while driving their personal vehicles on company time.
Benefits of PNOA include:
Better Protection for Staff
- Addresses potential coverage gap between employee’s personal auto policy and employer’s commercial lines non-owned auto coverage.
Improved Risk Profile for the Insured Organization
- Knowing risk is mitigated with selected coverages and limits provides comfort to the employer.
Streamlined, Consistent Management of Employee Vehicle Operation
- Employer experiences reduced administrative costs and stress of monitoring adherence to insurance requirements.
Recruiting and Retention Tool
- Employee is not required to purchase additional personal auto insurance limits to satisfy the employer’s requirements.
- Employee does not need to classify a personal vehicle as “business use,” which may be considered a less desirable risk by their insurer.
- Employees have peace of mind knowing their employer will cover accidents occurring on the job.
More Information
(Payments may be sent to: Fundamental UW, 28791 Network Place, Chicago, IL 60673-1287)
For more information regarding the PNOA product, please contact us here.
View a recorded PNOA webinar session:
