AIG vs Foxquilt: Hired and Non-Owned Auto Insurance

AIG documents HNOA only in its manufactured-housing program; Foxquilt lists the feature under Commercial Auto without defining its triggers or limits.

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

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 ↗

Foxquilt

  • role: Foxquilt lists Hired & non-owned beneath its Commercial Auto card; the source does not establish a separate HNOA policy. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The source identifies hired and non-owned vehicles as a feature of its Commercial Auto marketing; it does not establish the feature’s definitions, triggers or limits. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: Foxquilt directs buyers to the Commercial Auto product page for a quote; no separate HNOA quote or application path is documented. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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

A defined AIG program and a listed auto feature

AIG’s directory explicitly lists HNOA as part of the Manufactured Housing Program, for manufactured-home communities and related dealers. Foxquilt places “Hired & non-owned” beneath its Commercial Auto offering, but the reviewed source does not establish a separate policy or define who qualifies. Ask first whether your business belongs to AIG’s program or whether Foxquilt’s commercial-auto route can quote the feature for your operations. [1] [3]

Information needed before treating them as comparable

The policy detail gap is material: Foxquilt’s listing does not define covered vehicles, triggers or limits, while AIG’s source also leaves those terms to the program policy. Neither marketing entry supports a claim about exactly when employee-owned vehicles are covered. Get the applicable endorsement and declarations before comparing price or assuming business-use protection. [3] [1]

Commercial auto quote route

Foxquilt directs buyers to its Commercial Auto page for a quote, not to a separate HNOA application. AIG describes program administrator support. Ask each contact to confirm who issues the policy and whether the quote includes HNOA, then record the effective date and claim-reporting route. [3] [1]

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

  • Does AIG’s manufactured-housing program accept your class and identify HNOA limits in the quote?
  • Will Foxquilt include HNOA on your Commercial Auto quote, and what endorsement defines its scope and exclusions?

AIG ties HNOA to a specific program audience; Foxquilt lists the feature under Commercial Auto and sends buyers to that product’s quote path.

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
    Other Coverages

    Foxquilt · Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. · accessed 2026-09-29

  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

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