AIG vs HUB International: How Do They Compare for Hired and Non-Owned Auto Insurance?

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.

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. ^7,8Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

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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. ^7,8Not found in reviewed sources. Checked both pages on 2026-09-23.

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.

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. ⁸Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

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.

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. ⁸Company-reported. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.

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. ⁸Company-reported. HNOA blog post coverage-structure section.

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.

Published HNOA limits, sublimits or retentions were not found on the reviewed pages. ^7,8Not publicly disclosed. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.

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.

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. ⁸Company-reported. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.