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

HUB International brokers HNOA as an endorsement and describes optional physical-damage protection; Markel Insurance lists the coverage without published terms.

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

HUB says HNOA can be added to commercial auto or general liability and may include separate protection for theft or physical damage to non-owned vehicles. Markel lists HNOA but gives no covered-auto terms.

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

Policy Placement and Business Use

HUB International brokers HNOA as an endorsement or rider on commercial auto or general liability for sectors including transportation, hospitality, education, healthcare and nonprofits. HUB describes exposure when employees use rented or personal vehicles for work and says the business may face claims beyond the driver's personal limits. Markel Insurance lists HNOA among Markel's casualty options but does not state whether it is an endorsement or standalone, nor which autos qualify. HUB gives buyers a specific structure to ask about; Markel's quote needs to settle those details. [3] [4] [4] [6] [6]

Fleet Support

HUB recommends technology-driven fleet tools for automated documentation, real-time insurance data, driver monitoring and usage-based insurance. Markel says HNOA specialists may conduct site or desktop surveys and provide risk strategies in its inland-marine record, but its HNOA page itself does not describe fleet tools. Organizations can ask HUB which services are part of the engagement and Markel whether broader casualty risk support applies to their account. [4] [6]

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

  • Ask HUB whether physical-damage protection is included or a separate option, and what fleet tools are available under your account. [4] [4]
  • Ask Markel for policy structure, covered autos, limits and exclusions; the line listing does not publish these terms. [6]

Coverage topics

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 ↗

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 ↗

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
    Non-Owned Auto Liability Insurance

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

  3. 03
    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

  4. 04
    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

  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

  6. 06
    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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