AIG vs The Hartford: Hired and Non-Owned Auto Insurance

AIG lists HNOA in a manufactured-housing program without defining coverage; The Hartford describes hired and non-owned vehicles and business-use liability details.

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 The Hartford Hired and Non-Owned Auto Insurance?

Program eligibility and business-driving exposure

AIG lists HNOA only within its Manufactured Housing Program, for manufactured-home communities, certain RV parks and related dealers. The Hartford describes HNOA for businesses that rent or borrow vehicles or have employees use personal cars for errands, deliveries or client visits. The Hartford’s buyer description is broader; an AIG quote depends on fitting the named program. [1] [5]

Liability protection and vehicle damage

The Hartford describes bodily-injury and property-damage liability up to policy limits, while excluding damage to the hired or non-owned vehicle itself, employee injuries and personal-use accidents. AIG confirms HNOA is part of its program but gives no covered-driver, vehicle-use or exclusion detail. If you need damage to the rented vehicle or protection for an injured employee, confirm how those exposures are insured separately. [5] [1]

Getting a quote

The Hartford directs small businesses to a local agency or Tivly partner because its HNOA is not sold online; AIG describes program-administrator support but no account-level application route. Ask both contacts for the policy issuer, covered drivers, limit structure and claim-reporting instructions. [5] [1]

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

  • Does your company fit AIG’s Manufactured Housing Program, and which rented or employee-owned vehicles are covered?
  • Does The Hartford’s quote include your business use, and what separate coverage handles physical damage to rentals or employee injuries?

AIG’s listing is tied to manufactured-housing businesses; The Hartford describes HNOA for companies renting or borrowing vehicles or whose employees drive personal cars for work.

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
    Non-Owned Auto Liability Insurance

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

  4. 04
    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

  5. 05
    Hired and Non-Owned Vehicle Insurance | HNOA

    The Hartford · What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? · accessed 2026-09-23

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 ↗

The Hartford

  • role: The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. HNOA product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. HNOA product page as read 2026-09-23.company-reportedSource ↗
  • application: Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. HNOA product page as read 2026-09-23.company-reportedSource ↗
  • limits: The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit.not-disclosedSource ↗

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