What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 4,5,6,7
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. 9,10,11
Key Differences in Hired and Non-Owned Auto Insurance
Two package-specific routes
Neither record describes HNOA as a broadly available standalone policy. AIG lists it in the Manufactured Housing Program for manufactured-home communities, selected RV parks and related dealers; Beazley lists it among additional coverages in BeazleyOne Environmental for engineering, consulting, project-management and remediation firms. The practical first question is whether your business fits either package’s stated audience, since the HNOA feature follows that package’s eligibility. 3 8
Eligibility and application are tied to the package
Beazley’s page describes HNOA as one item among several additional coverages, not a separate commercial-auto product. AIG likewise shows the line as a component of its named program. Buyers should compare the full package, then verify that HNOA appears in the quote and declarations rather than assuming that the marketing list guarantees its inclusion. 8 3
One application for the package
Beazley links one application and brochure for the environmental package; AIG describes program administrator support without a distinct HNOA application. Ask each program contact how to submit driver and vehicle details, which insurer issues the auto coverage, and whether hired and non-owned exposures share a limit or deductible with other package sections. 8 3
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Does your business qualify for AIG’s manufactured-housing program or BeazleyOne Environmental, and is HNOA included in the actual quote?
- Which issuing insurer, limit and deductible apply to HNOA within each package?
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsBeazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsOffering Details
AIG vs Beazley: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | AIG Manufactured Housing Program Hired and Non-Owned Auto | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto |
|---|---|---|
| Role in This Line | AIG’s public directory supports HNOA only as a listed component of its Manufactured Housing Program; it does not establish a broad standalone HNOA policy. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | 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. 8Company-reported. Environmental package product page; no standalone HNOA product page was found. |
| Issuing Insurer | Confirm in your quote. | The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. 8Not publicly disclosed. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there. |
| Who It’s For | AIG lists hired and non-owned auto only in its Manufactured Housing Program for manufactured-home communities, certain RV parks/destination resorts, retail manufactured-housing dealers and recreational-unit dealers (excluding RV dealers). This is not general HNOA eligibility. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | 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. 8Company-reported. Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately. |
| Coverage Features | AIG lists Hired and Non-Owned Auto as a coverage component of the named Manufactured Housing Program. The directory does not define covered drivers, vehicles, use, limits or exclusions. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | 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. 8Not publicly disclosed. Additional Coverages bullet list; the single-line mention is the only detail available on this page. |
| Limits and Retentions | No HNOA limit, deductible or covered-auto schedule appears in the directory. Confirm these in the program quote and issued form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. 8Not found in reviewed sources. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote. |
| Risk Services | AIG describes Program Administrator support, underwriting, claims and loss-control resources for its programs. The page does not state account-level HNOA claims handling or services beyond those program-wide descriptions. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | 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. 8Not found in reviewed sources. Environmental package product page as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | 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. 8Company-reported. Tools & Resources links referenced on the product page; the application content itself was not opened. |
Full Comparison
More AIG vs Beazley Comparisons
Other Hired and Non-Owned Auto Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Programs Insurance. AIG; Official AIG program directory, lines 510–525: Manufactured Housing audience, Hired and Non-Owned Auto coverage listing, and Nationwide program location; lines 242–284 describe program administration and services; policy terms caveat at line 680. Accessed 2026-09-30.
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Environmental Package Policy (BeazleyOne Environmental). Beazley; Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources. Accessed 2026-09-23.
Hired and Non-Owned Auto Insurance Guide
- 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.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- 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.
