AIG vs Beazley: Hired and Non-Owned Auto Insurance

AIG names HNOA in a manufactured-housing program; Beazley lists it only as an added coverage in its environmental-services package.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

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

Two package-specific routes

Neither record describes HNOA as a broadly available standalone policy. AIG lists it in the Manufactured Housing Program for manufactured-home communities, selected RV parks and related dealers; Beazley lists it among additional coverages in BeazleyOne Environmental for engineering, consulting, project-management and remediation firms. The practical first question is whether your business fits either package’s stated audience, since the HNOA feature follows that package’s eligibility. [1] [2]

Eligibility and application are tied to the package

Beazley’s page describes HNOA as one item among several additional coverages, not a separate commercial-auto product. AIG likewise shows the line as a component of its named program. Buyers should compare the full package, then verify that HNOA appears in the quote and declarations rather than assuming that the marketing list guarantees its inclusion. [2] [1]

One application for the package

Beazley links one application and brochure for the environmental package; AIG describes program administrator support without a distinct HNOA application. Ask each program contact how to submit driver and vehicle details, which insurer issues the auto coverage, and whether hired and non-owned exposures share a limit or deductible with other package sections. [2] [1]

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

  • Does your business qualify for AIG’s manufactured-housing program or BeazleyOne Environmental, and is HNOA included in the actual quote?
  • Which issuing insurer, limit and deductible apply to HNOA within each package?

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 ↗

Beazley

  • role: Hired and non-owned auto is listed as one line among several Additional Coverages inside BeazleyOne Environmental. Beazley does not offer it as a separate, standalone commercial auto product on this page. Environmental package product page; no standalone HNOA product page was found.company-reportedSource ↗
  • eligibility: Availability of the hired and non-owned auto coverage follows the same audience as the rest of the package: engineering, consulting, project management, and contracting or remediation firms providing environmental services. Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately.company-reportedSource ↗
  • coverage: The product page lists 'hired and non-owned auto included' among the package's Additional Coverages, alongside items like automatic additional-insured status and a blanket waiver of subrogation, but does not describe the insuring agreement, covered vehicles or exclusions for it. Additional Coverages bullet list; the single-line mention is the only detail available on this page.not-disclosedSource ↗
  • limits: The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote.not-foundSource ↗
  • insurer: The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there.not-disclosedSource ↗
  • services: The reviewed page does not describe auto-specific risk services, such as driver safety or fleet-management programs, beyond the package's general claims-management commitment. Environmental package product page as read on 2026-09-23.not-foundSource ↗
  • application: Beazley links a single application and brochure for the environmental package from the product page rather than a separate application for the hired and non-owned auto coverage. Tools & Resources links referenced on the product page; the application content itself was not opened.company-reportedSource ↗

AIG’s HNOA entry applies to its Manufactured Housing Program audience; Beazley lists HNOA inside BeazleyOne Environmental for environmental-service firms.

Source material

  1. 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

  2. 02
    Environmental Package Policy (BeazleyOne Environmental)

    Beazley · Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources · accessed 2026-09-23

  3. 03
    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

  4. 04
    Non-Owned Auto Liability Insurance

    Hiscox · What is covered?; Who is covered; What the policy does not cover · accessed 2026-09-16

  5. 05
    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

Share your transportation and logistics needs with Embarcadero Risk to discuss next steps.

Contact Embarcadero Risk