Skip to content

Sunshine Insurance Group is an independent property insurance agency in Bonita Springs, Florida. We do NOT provide health insurance, Medicaid, or Medicare plans. Looking for Sunshine Health? Visit sunshinehealth.com

  • Quote
  • Call
  • Service
    • Login
    • Manage Policies
    • Request Service
    • Certificate of Insurance
    • Report a Claim
    • My Profile
Sunshine Insurance Group
  • Families & Individuals
    • Start Personal Insurance Quote
    • Home Insurance
    • Flood Insurance
    • Landlord Insurance
    • Umbrella Insurance
    • Renters Insurance
    • Jewelry & Valuable Items
  • For Businesses
    • Start Business Insurance Quote
    • General Liability
    • Professional Liability
    • Business Owners Policy
    • Commercial Property
    • Special Events
  • About Us
    About Us
    • About Us
    • Team Members
    • Client Reviews
    • Where We Do Business
    • Articles & Insights
    • Frequently Asked Questions
    • Refer Friends & Family
    I Want To…
    • Contact Us
    • Get Directions
    • Share My Experience
    • View Carrier Directory
    • Explore Careers
    Sunshine Insurance Group is here for all your insurance needs.

    Get an insurance quote ›
    • About Us
    • Our Office
    • Meet The Team
    • Testimonials
    • Share Your Experience
    • FAQs
    • Blog Articles
    • Refer Friends & Family
    • Join Our Team
  • Contact Us
  • Certificates
  • Customer Service
    Personal insurance account review
    Personal Account Review
    Submit your updated information so we can make sure your family stays properly protected.
    Review Your Personal Account ›
    Commercial insurance account review for businesses
    Business Account Review
    Keep your business and employees protected with as your business grows.
    Review Your Business Account ›
    Customer Service
    • Manage Policies
    • Request Service
    • Certificate of Insurance
    • Report a Claim
    • Mortgagee Change
    • Carrier Directory
    • Opt Into SMS
    • Share Your Experience
    • Policy Changes
    • Certificate of Insurance
    • Report a Claim
    • MVR Request
    • Loss Run Request
    • Account Review: Personal
    • Account Review: Business
  • Login
Sunshine Insurance Group
  • Families & Individuals
    • Start Personal Insurance Quote
    • Home Insurance
    • Flood Insurance
    • Landlord Insurance
    • Umbrella Insurance
    • Renters Insurance
    • Jewelry & Valuable Items
  • For Businesses
    • Start Business Insurance Quote
    • General Liability
    • Professional Liability
    • Business Owners Policy
    • Commercial Property
    • Special Events
  • About Us
    About Us
    • About Us
    • Team Members
    • Client Reviews
    • Where We Do Business
    • Articles & Insights
    • Frequently Asked Questions
    • Refer Friends & Family
    I Want To…
    • Contact Us
    • Get Directions
    • Share My Experience
    • View Carrier Directory
    • Explore Careers
    Sunshine Insurance Group is here for all your insurance needs.

    Get an insurance quote ›
    • About Us
    • Our Office
    • Meet The Team
    • Testimonials
    • Share Your Experience
    • FAQs
    • Blog Articles
    • Refer Friends & Family
    • Join Our Team
  • Contact Us
239-790-0209
Start Quotes Here
  1. Home
  2. FAQs
  3. Hired & Non-Owned Auto Insurance

Hired & Non-Owned Auto Insurance

  • How is HNOA different from a personal auto policy?

    A personal auto policy typically does not cover business use of your vehicle. HNOA provides the necessary liability coverage for business-related driving of non-owned vehicles, filling the gap left ...

    Read MoreRead More
  • Does HNOA cover my personal vehicle when I use it for business purposes?

    Yes, HNOA provides liability coverage when you use your personal vehicle for business tasks. However, it does not cover physical damage to your vehicle.

    Read MoreRead More
  • Can HNOA be added to an existing business insurance policy?

    Yes, HNOA can often be added as an endorsement to an existing commercial auto or general liability policy, providing an additional layer of protection.

    Read MoreRead More
  • Do I need HNOA if my employees rarely use non-owned vehicles?

    Yes, even occasional use of non-owned vehicles for business purposes can expose your business to significant risks. HNOA provides essential coverage for these scenarios.

    Read MoreRead More
  • What does Hired & Non-Owned Auto Insurance not cover?

    HNOA does not cover physical damage to the hired or non-owned vehicle itself. For protection against damage to the vehicle, you would need comprehensive and collision coverage. ...

    Read MoreRead More
Sunshine Insurance Group
Sunshine Insurance Group
10911 Harmony Park Dr. 2nd Floor
Bonita Springs, Florida 34135
Phone: 239-790-0209

Hours: Mon-Fri 9:00am-5:00pm
Sat-Sun by appointment only, or click here to start your insurance quote online.

Insurance Quotes
  • Personal Insurance
  • Business Insurance
  • Life Insurance
  • All Quote Options
Resources
  • About
  • Team
  • Contact
  • Blog
  • FAQs
For Clients
  • Policy Service
  • Manage Policies
  • Certificate of Insurance
  • Opt Into SMS
  • Share Your Experience
Social Media
Accessibility  |  Privacy Policy  |  Cookie Policy  |  Terms of Service  |  Sitemap

Proudly offering insurance services, home insurance, auto insurance, flood insurance, life insurance, and commercial insurance for businesses, in all of Florida, including Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Clearwater, Coral Springs, Daytona Beach, Deerfield Beach, Delray Beach, Doral, Fort Lauderdale, Fort Myers, Gainsville, Hialeah, Jacksonville, Kissimmee, Lehigh Acres, Miami Beach, Miami Gardens, Miami, Ocala, Orlando, Palm Bay, Palm Coast, Pembroke Pines, Pompano Beach, Port Charlotte, Port St. Lucie, Sarasota, St. Petersburg, Tallahassee, Tampa, The Villages, West Palm Beach, and the surrounding areas.

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

Copyright © Sunshine Insurance Group  |  Website hosted by GravityCerts
Page load link
Start Your Quotes
Select an Insurance Type
Start Personal Insurance Quote for Individuals and Families
Personal Insurance
Start Personal Insurance Quote
Start Business Insurance Quote
Business Insurance
Start Business Insurance Quote
Additional Quote Options
  • Quick General Liability

  • Contractors & Trades

  • Course of Construction

  • Farm Insurance

  • Commercial Trucking

  • Non Profits

  • Schools & Education

  • Life Insurance

  • Golf Carts

  • Jewelry & Valuables

  • Vacant Land

  • Equine & Animals

Need a Policy Recommendation?
  • Contact Us

  • Call: 239-790-0209

Login

Lost password

Don’t have an account?

Create AccountCreate Account
We use cookies to offer you a better browsing experience, analyze site traffic and personalize content. Read about our Cookie Policy. Ok