CNA vs Foxquilt: Hired and Non-Owned Auto Insurance

CNA defines hired and non-owned vehicles in its risk-control guide; Foxquilt lists HNOA under Commercial Auto without a separate application path.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-10-01

CNA’s commercial auto page says hired and non-owned business vehicles are covered for bodily injury and property damage, with a dedicated exposure guide and application. Foxquilt lists HNOA under commercial auto but does not establish definitions, limits, or a separate application.

Source material

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    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

  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

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

Published Coverage Specificity

CNA states that its commercial auto policy covers bodily injury and property damage caused by hired or non-owned vehicles used for business. It defines rentals and employees’ personal vehicles in a risk-control guide and uses a supplemental HNOA application. Foxquilt lists “Hired & non-owned” beneath its Commercial Auto card, but the reviewed material does not establish what vehicles, triggers, or limits the feature covers. A label alone cannot answer whether a business exposure is insured. [2] [4] [5]

Quote Preparation

CNA’s form asks about personal-auto limits, rentals, prior HNOA coverage, and five years of losses. Foxquilt directs buyers to the Commercial Auto quote page and does not document a separate HNOA quote path. If you approach Foxquilt, ask for the endorsement or policy language and confirm which information it needs before comparing the offer with CNA. [3] [5]

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

  • Ask Foxquilt for covered vehicle definitions, limits, exclusions, and the actual HNOA form. [5]
  • Ask CNA how personal-auto limits and past losses affect the offered terms. [3]

Coverage topics

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 ↗

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 ↗

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