Restaurant risks don't stop at the front door — and neither does our coverage.
Effective immediately, MGT offers Hired & Non-Owned Auto (HNOA) across our restaurant classes, giving agents a simpler way to meet the coverage needs of franchise and multi-location operators.
What HNOA Covers
Hired & Non-Owned Auto fills one of the most common gaps in a restaurant's program. The "hired" piece responds to vehicles the business rents, leases, or borrows; the "non-owned" piece responds when employees drive their own cars for business purposes. Neither is picked up by a standard policy covering the restaurant's owned vehicles — so without HNOA, a routine errand can turn into an uncovered claim. Whether it's a manager driving to the bank to make a deposit or a line cook running out for extra produce, their personal auto policy may not respond, and now that exposure can be solved directly within the BOP.
Who It's For
The coverage fits restaurants with dine-in, takeout, or third-party delivery through platforms like UberEats and DoorDash. One important limit to flag for your clients: establishments that handle their own delivery — employees delivering food in their personal vehicles — are not eligible for HNOA. Knowing that line up front saves a quote that won't bind.
Why It Matters
Most restaurants put more miles on the road than they realize, and franchise agreements frequently require HNOA outright — regardless of how a given location actually uses vehicles — so for many accounts, the coverage isn't optional. This update closes a gap that used to mean a second carrier, extra paperwork, or an awkward conversation about uncovered exposure. Now HNOA can sit alongside the rest of a restaurant's coverage in one place, backed by real underwriting support when an account needs a closer look — whether that's re-classing a risk, raising a limit, or talking through an unusual exposure.
