The plain-English rule: no owned cars does not mean no auto risk.
An HOA may not title vehicles in the association's name, but people still drive for association reasons. A board member may pick up supplies, meet a vendor, visit a bank, inspect property, or travel between association locations.
If an accident happens during that task, the driver's personal auto policy is usually first in line. But the association may still be pulled into the claim. Non-owned auto coverage is designed for that association liability layer.
Board and volunteer errands should not be informal forever.
Small associations often rely on helpful people doing quick tasks. That works until a serious accident turns a friendly errand into a lawsuit. The more routine the task, the more the association should define expectations.
A board can set practical rules: who may drive for association business, when reimbursement is allowed, whether proof of personal auto insurance is expected, and which tasks should be handled by vendors instead of volunteers.
Property managers and contractors do not remove every exposure.
A property manager may handle many association duties, and contractors may perform maintenance work. That can reduce direct volunteer driving, but it does not automatically eliminate the association's exposure.
The HOA should review management agreements, vendor contracts, certificates of insurance, additional insured wording, and the association's own policy. Contract risk transfer and insurance coverage should work together instead of being treated as separate files.
Hired auto is a different but related question.
Non-owned auto usually deals with vehicles the association does not own, such as personal vehicles used for association business. Hired auto can apply when the association rents, leases, or hires a vehicle for association use.
Some policies package hired and non-owned auto together, while others require a specific endorsement. The association should not assume the wording is present just because the exposure sounds common.
The board should document the decision before a claim.
A clean insurance decision is easier to defend than an undocumented assumption. If the board discusses vehicle use, hired/non-owned auto coverage, management duties, or volunteer procedures, those decisions should be reflected in board records and policy files.
That documentation helps future boards understand why the coverage exists and helps the association avoid rediscovering the same risk after leadership changes.