AIG vs CNA: Hired and Non-Owned Auto Insurance

AIG lists HNOA only in a manufactured-housing program; CNA describes business-use liability for rented or employee-owned vehicles and asks detailed application questions.

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

AIG’s listing names a specific manufactured-housing audience; CNA describes bodily-injury and property-damage liability from hired or non-owned business vehicles and asks applicants about drivers and loss history.

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

Named program context and commercial-auto description

AIG’s source supports HNOA only as a coverage component in its Manufactured Housing Program, for named housing and recreation-related businesses. CNA describes bodily-injury and property-damage liability from hired and non-owned vehicles used for business. That difference matters if your firm is outside manufactured housing: CNA’s commercial-auto description is broader, but the published overview still does not establish acceptance or exact terms for your risk. [1] [3]

Application details reveal the exposure

CNA’s supplemental HNOA application asks about personal-auto limits, leased or rented vehicles, prior coverage and five years of loss history. AIG’s directory identifies the program and line but does not define covered drivers, vehicles or use. Prepare those details for CNA and request the comparable schedule and eligibility criteria from AIG’s program administrator. [4] [1]

Driver risk-control resources

CNA describes driver-distraction and cargo-securement risk-control programs tailored by underwriting and risk-control staff. AIG describes program-level underwriting, claims and loss-control resources but does not specify HNOA services for a particular account. Ask which services attach to the HNOA placement and how claims involving employee-owned cars are reported. [3] [1]

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

  • Which AIG program audience includes your business, and what drivers, vehicles and use does its policy cover?
  • What limits and exclusions will CNA quote after reviewing driver history, personal-auto limits and vehicle use?

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 ↗

CNA

  • coverage: CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.company-reportedSource ↗
  • eligibility: CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. The guide explains the exposure and is not itself policy language or an eligibility rule.company-reportedSource ↗
  • application: A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.company-reportedSource ↗
  • services: CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.company-reportedSource ↗

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
    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

  3. 03
    Commercial Auto Insurance for Businesses

    CNA · Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. · accessed 2026-09-30

  4. 04
    Hired / Non-Owned Auto Supplemental Application

    CNA · PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. · accessed 2026-09-30

  5. 05
    Hired and Non-Owned Auto Exposures

    CNA · Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. · accessed 2026-09-30

  6. 06
    Non-Owned Auto Liability Insurance

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

  7. 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

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