Beazley vs Hub International: Hired and Non-Owned Auto Insurance

Beazley includes HNOA in an environmental package; HUB International brokers the coverage as a commercial-auto or general-liability endorsement across many sectors.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

HUB can add theft or physical-damage options to HNOA attached to auto or GL; Beazley includes it only as part of BeazleyOne Environmental.

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

Add-On Options Versus Environmental Package Eligibility

HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options. Beazley lists HNOA only among additional coverages in BeazleyOne Environmental, so businesses outside its environmental package do not see HNOA listed as a separate option on the reviewed page. [4] [5] [1] Choose HUB if you need a rider with physical-damage options; choose Beazley if you are buying its environmental package.

Buyer Sets

Beazley’s HNOA follows environmental engineering, consulting, project management, and contracting or remediation firms. HUB says the exposure applies in transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors when employees or contractors drive rented, leased or personal vehicles for work. [1] [5]

Coverage Detail and Tools

HUB describes HNOA as protecting a business that rents or leases a vehicle, and when an employee’s personal auto excludes or limits business use. It also says additional protection can be available for theft or physical damage to non-owned vehicles, and it recommends fleet tools including automated documentation, real-time insurance data, driver monitoring and usage-based insurance. Beazley’s page does not describe those insuring agreements, physical-damage options or auto-specific risk services beyond the package’s general claims-management commitment, and it does not publish HNOA limits. HUB’s reviewed pages also do not name the issuing insurer or publish HNOA limits. [5] [4] [1]

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

  • Ask HUB whether the rider attaches to commercial auto or GL, and whether physical damage or theft is included. [5]
  • Ask Beazley for HNOA wording and vehicle scope inside the environmental package. [1]
  • Ask HUB whether contractors and gig-economy drivers are covered on your endorsement. [5]
  • Get limits and the issuing carrier from both; neither reviewed source publishes HNOA limits. [1] [4]

Coverage topics

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 ↗

HUB International

  • role: HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.company-reportedSource ↗Source ↗
  • eligibility: HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. HNOA blog post sector list; not an underwriting appetite statement.company-reportedSource ↗
  • coverage: HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.company-reportedSource ↗
  • coverage: HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. HNOA blog post coverage-structure section.company-reportedSource ↗
  • services: HUB says it recommends technology-driven fleet management tools for HNOA programs, including automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance, to help clients manage compliance and cost. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.company-reportedSource ↗
  • insurer: Neither the commercial auto product page nor the HNOA blog post names the insurer that issues an HNOA endorsement; the carrier depends on the underlying commercial auto or general liability placement. Checked both pages on 2026-09-23.not-foundSource ↗Source ↗
  • limits: Published HNOA limits, sublimits or retentions were not found on the reviewed pages. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗Source ↗

Source material

  1. 01
    Environmental Package Policy (BeazleyOne Environmental)

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

  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
    Commercial Auto Insurance Broker Policy & Coverage

    HUB International · Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist · accessed 2026-09-23

  5. 05
    Make & Brake: Protect your business financially with hired and non-owned auto insurance

    HUB International · What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations · accessed 2026-09-23

  6. 06
    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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