Hub International vs The Hartford: Hired and Non-Owned Auto Insurance

HUB International describes HNOA as an endorsement for rented or personal vehicles; The Hartford explains covered costs and exclusions for work trips.

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

The Hartford publishes HNOA definitions and exclusions through agencies or Tivly; HUB adds the coverage as an auto or GL rider and can offer physical-damage options.

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

Policy Detail Versus Optional Physical-Damage Cover

The Hartford defines hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal cars used for business, with published inclusions and exclusions; it sells through agents or Tivly. HUB attaches HNOA to commercial auto or GL and can offer theft or physical-damage options. [6] [4] Choose The Hartford if you want published terms and exclusions through an agent; choose HUB if you need a rider with optional physical-damage coverage.

Physical Damage Treatment

HUB says additional protection can be available for theft or physical damage to non-owned vehicles used for business. The Hartford says HNOA does not cover damage to the hired or non-owned vehicle itself, property theft from the vehicle, wear and tear, injuries to the business’s own staff, or personal-use accidents, while it does help pay third-party bodily injury and property damage costs up to limits. [4] [6]

Who Each Names as Buyers

HUB says HNOA exposure applies across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for errands such as deliveries or client meetings. [4] [6]

How You Buy and What Limits Are Published

The Hartford does not currently sell HNOA online for small businesses and directs buyers to a local agency or Tivly. HUB’s reviewed pages describe broker placement on an underlying commercial auto or general liability policy and do not name a self-serve small-business website for HNOA. HUB’s reviewed pages do not name the issuing insurer or publish HNOA limits; The Hartford also does not publish standard liability limits. [6] [3] [4]

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

  • Ask HUB whether theft or physical damage is on the rider. [4]
  • Ask The Hartford or Tivly to confirm the vehicle-damage exclusion and hired versus non-owned limits. [6]
  • Confirm Hartford HNOA is quoted through an agency or Tivly, not the small-business website. [6]
  • Get the issuing carrier on the HUB placement. [3]

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 ↗

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 ↗

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
    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

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