Amelia Risk vs Beazley Hired and Non-Owned Auto Insurance

Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. ⁴Company-reported. General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement.

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. ¹⁰Company-reported. Environmental package product page; no standalone HNOA product page was found.

Not described in the reviewed sources.

The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. ¹⁰Not publicly disclosed. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there.

Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. ⁵Company-reported. CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage.

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. ¹⁰Company-reported. Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately.

Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. ⁴Company-reported. General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form.

Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. ⁵Company-reported. CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording.

Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. ⁵Company-reported. CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance.

Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. ⁵Company-reported. CPG page FAQ 5's hired-auto explanation.

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. ¹⁰Not publicly disclosed. Additional Coverages bullet list; the single-line mention is the only detail available on this page.

Not described in the reviewed sources.

The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. ¹⁰Not found in reviewed sources. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote.

Not described in the reviewed sources.

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. ¹⁰Not found in reviewed sources. Environmental package product page as read on 2026-09-23.

Amelia Risk's stated process for arranging coverage, including HNOA, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not an HNOA-specific application form.

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. ¹⁰Company-reported. Tools & Resources links referenced on the product page; the application content itself was not opened.