AIG vs Amelia Risk: Hired and Non-Owned Auto Insurance

What Are the Key Differences Between AIG and Amelia Risk Hired and Non-Owned Auto Insurance?

A narrow program listing and brokerage placement

AIG’s public directory places HNOA inside its Manufactured Housing Program for manufactured-home communities, certain RV parks and dealers. Amelia Risk describes a broader brokerage placement for companies renting cars or employees using personal vehicles on business, either attached to GL or placed separately. A buyer should first confirm whether its business belongs to AIG’s named program; Amelia Risk’s description addresses the exposure more generally, subject to carrier acceptance. [1] [2]

Personal-auto protection questions

Amelia Risk explains a specific gap: when an employee’s personal-auto policy does not defend the company named in a claim, HNOA can respond to the company’s liability. AIG’s directory lists HNOA but does not define covered drivers or triggers. Ask the AIG program contact and Amelia’s proposed carrier to explain how each form coordinates with the driver’s personal policy. [3] [1]

Carrier selection and policy coordination

Amelia Risk says it approaches multiple insurers and reviews resulting quotes with the client; AIG describes program administrator underwriting, claims and loss-control support. Those routes differ in market selection, while neither record supplies policy limits. Get the proposed insurer, covered vehicle use, retention and exclusions in writing before comparing the placements. [4] [1]

What Should You Confirm in AIG and Amelia Risk Hired and Non-Owned Auto Insurance Quotes?

Does your operation qualify for AIG’s Manufactured Housing Program, and which drivers and vehicles are scheduled?
Which insurer would Amelia Risk approach, and how does its HNOA form respond after an employee’s personal coverage?

AIG’s HNOA listing is tied to manufactured housing businesses; Amelia Risk describes HNOA for business rentals and employees’ personal cars, bundled with GL or placed standalone.

Source material

01
AIG Programs Insurance
AIG · Official AIG program directory, lines 510–525: Manufactured Housing audience, Hired and Non-Owned Auto coverage listing, and Nationwide program location; lines 242–284 describe program administration and services; policy terms caveat at line 680. · accessed 2026-09-30
02
General Liability
Amelia Risk Insurance Brokers · Hired & non-owned auto liability paragraph: liability coverage for rental vehicles and employees' business use of personal vehicles; standalone/monoline availability note · accessed 2026-09-23
03
Insurance for CPG Companies
Amelia Risk Insurance Brokers · FAQ 5, "We don't have any cars - why do I need auto insurance?": hired auto liability, non-owned auto liability, personal auto policy interaction, excess drop-down explanation · accessed 2026-09-23
04
Our Specialties
Amelia Risk Insurance Brokers · OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed · accessed 2026-09-23
05
Commercial Insurance Guide
California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16
06
Non-Owned Auto Liability Insurance
Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16
07
Business Auto Coverage Form
ISO; hosted by National General · I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7 · accessed 2026-09-16

Coverage topics

AIG

role: AIG’s public directory supports HNOA only as a listed component of its Manufactured Housing Program; it does not establish a broad standalone HNOA policy. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG lists hired and non-owned auto only in its Manufactured Housing Program for manufactured-home communities, certain RV parks/destination resorts, retail manufactured-housing dealers and recreational-unit dealers (excluding RV dealers). This is not general HNOA eligibility. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: AIG lists Hired and Non-Owned Auto as a coverage component of the named Manufactured Housing Program. The directory does not define covered drivers, vehicles, use, limits or exclusions. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG describes Program Administrator support, underwriting, claims and loss-control resources for its programs. The page does not state account-level HNOA claims handling or services beyond those program-wide descriptions. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: No HNOA limit, deductible or covered-auto schedule appears in the directory. Confirm these in the program quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Amelia Risk

role: Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement.company-reportedSource ↗
coverage: Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form.company-reportedSource ↗
eligibility: Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage.company-reportedSource ↗
coverage: Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording.company-reportedSource ↗
coverage: Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance.company-reportedSource ↗
coverage: Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. CPG page FAQ 5's hired-auto explanation.company-reportedSource ↗
application: Amelia Risk's stated process for arranging coverage, including HNOA, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. Specialties page's four numbered steps; describes the firm's general placement workflow, not an HNOA-specific application form.company-reportedSource ↗