CNA vs Markel: Hired and Non-Owned Auto Insurance

CNA describes auto liability for hired and non-owned business vehicles; Markel Insurance lists HNOA as a small-business casualty option without posted terms.

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

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 ↗

Markel Insurance

  • role: Markel lists hired and non-owned auto among casualty coverage options for small-business risks. Coverage option in small-business casualty materials; not a standalone commercial auto product.company-reportedSource ↗
  • eligibility: The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. No general eligibility inference.company-reportedSource ↗
  • coverage: The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. Policy-level details remain unestablished.company-reportedSource ↗

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

Coverage Definition and Evidence Detail

CNA describes bodily injury and property damage liability from hired or non-owned vehicles used for business, and explains that hired vehicles include business rentals while non-owned vehicles can be employees’ personal cars. Markel lists HNOA as an option in its small-business casualty portfolio, but its public page does not specify covered autos, limits, exclusions, or terms. Buyers can identify the line in both catalogues; only CNA’s reviewed materials describe the exposure more fully. [2] [4] [7]

Submission Preparation

CNA’s supplemental application asks for personal-auto limits, rentals or leases, prior HNOA, and five years of losses. Markel’s overview situates the option within its small-business casualty and property portfolio but does not enumerate eligible classes. Ask Markel for the form and appetite applicable to your business; use CNA’s questions to prepare driver and vehicle details for a submission. [3] [7]

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

  • Ask Markel to specify covered drivers and vehicles, triggers, limits, exclusions, and eligible classes. [7]
  • Ask CNA how prior loss and personal-auto limits affect the policy terms. [3]

CNA describes business-use auto liability and publishes a supplemental HNOA application asking about personal-auto limits, rentals, and prior losses. Markel lists HNOA among small-business casualty options without publishing covered-auto terms or limits.

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
    Non-Owned Auto Liability Insurance

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

  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

  7. 07
    Small Business Casualty and Property Insurance

    Markel · What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. · accessed 2026-09-29

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