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 Kinro Insurance?
Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. 4,5,6
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. 8,9,10
Key Differences in Hired and Non-Owned Auto Insurance
Named business program and carrier matching
AIG lists HNOA within its Manufactured Housing Program, for housing communities, certain RV parks and related dealers. Kinro says the coverage commonly fits restaurants, cleaning businesses, consultants and retailers where workers run errands, make deliveries or rent vehicles despite the company having no fleet. That gives smaller firms a distinct broker route, though Kinro notes carrier appetite depends on the operation. 3 7
Underwriting information to gather
Kinro asks how often employees drive for business, whether they deliver or visit sales prospects, and what driver policies or motor-vehicle-record practices the company uses. AIG’s directory identifies its program but says nothing about its account-level driver schedule. Assemble those details for Kinro, then ask the AIG administrator for the vehicle, driver and use information required under the manufactured-housing form. 7 3
How HNOA fits alongside other policies
Kinro often reviews HNOA alongside general liability, BOP and commercial auto, while AIG’s source presents it as part of a named program. Compare whether the proposed HNOA is an endorsement or separate policy, who issues it, and how its limits coordinate with GL or auto coverage. Neither overview states the buyer-specific premium or terms. 7 3
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Does AIG’s manufactured-housing program cover your business and the specific employee vehicle uses?
- Which carrier will Kinro approach, and how do its HNOA limits coordinate with your GL, BOP or commercial auto policy?
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 reviewsKinro
Review Score
We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.[7]
Read Kinro reviewsOffering Details
AIG vs Kinro: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | AIG Manufactured Housing Program Hired and Non-Owned Auto | Kinro Hired & Non-Owned Auto (HNOA) |
|---|---|---|
| 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. | Kinro is a broker: it matches a business to an HNOA carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 7Company-reported. Hired & Non-Owned Auto page "Routing" and "Market fit" sections. |
| 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. | Kinro says HNOA commonly fits restaurants, cleaning businesses, consultants and retail, and typically comes up when employees use personal cars for business errands or the business rents vehicles occasionally but owns no commercial fleet. 7Company-reported. Hired & Non-Owned Auto page "Common fit" and "Triggers" sections. |
| 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. | Kinro describes HNOA as addressing liability exposure from personal or rented vehicles used for business, such as deliveries, errands and client visits, and says it is a common companion to a BOP or general liability policy when the business does not own commercial vehicles. 7Company-reported. Hired & Non-Owned Auto page "Coverage" section; actual terms depend on the carrier and policy placed. |
| 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 HNOA limits, deductibles or premiums; amounts would appear on a quote. 7Not found in reviewed sources. Hired & Non-Owned Auto page as read on 2026-09-23. |
| 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | To quote HNOA, Kinro asks who drives for business and how often, whether staff make deliveries or sales visits or rent vehicles, and about driver policies and MVR practices, and often reviews it together with BOP, commercial auto and general liability coverage. 7Company-reported. Hired & Non-Owned Auto page "Quote file" and "Reviewed with" sections. |
Full Comparison
More AIG vs Kinro 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.
Kinro
- Kinro Business Insurance. Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- For Carriers And MGAs. Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
- Hired & Non-Owned Auto. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. 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.
