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
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 4,5
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. 7,8,9
Key Differences in Hired and Non-Owned Auto Insurance
Specific AIG audience and Markel portfolio listing
AIG names a defined setting for HNOA: its Manufactured Housing Program, including manufactured-home communities, selected RV parks and dealers. Markel lists hired and non-owned auto among small-business casualty options, without enumerating eligible classes. A housing operator can ask AIG about the named program; another small business can ask Markel whether its class is eligible. The Markel portfolio listing alone does not confirm that its quote will include HNOA. 3 6
Definitions matter more than the label
The public descriptions are thin on the actual protection: Markel does not specify covered autos, limits or exclusions, and AIG’s directory also leaves drivers, uses and limits to the policy. Request forms that explain whether hired rentals, employee-owned vehicles and business errands are covered, and whether the policy is primary or excess over personal auto. 6 3
Claims and coverage detail to request
AIG describes program-administrator underwriting, claims and loss-control resources; Markel’s reviewed entry only identifies HNOA as an option in its small-business portfolio. Ask who underwrites each quote and how a claim is reported. For Markel, also confirm the application route and request the declarations, since no auto-specific process or terms appear in its overview. 3 6
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Which AIG program, covered drivers and limits apply to your organization?
- Will Markel quote HNOA for your class, and what form defines limits, covered vehicles, exclusions and the claims contact?
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 reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
AIG vs Markel Insurance: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | AIG Manufactured Housing Program Hired and Non-Owned Auto | Markel hired and non-owned auto exposure |
|---|---|---|
| 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. | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. 6Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product. |
| 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. | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. 6Company-reported. No general eligibility inference. |
| 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 public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. 6Company-reported. Policy-level details remain unestablished. |
| 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. | Confirm in your 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. | Confirm in your quote. |
Full Comparison
More AIG vs Markel Insurance 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.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- 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.
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.
