Amelia Risk vs CNA: How Do They Compare for 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.

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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.

CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. ¹⁰Company-reported. The guide explains the exposure and is not itself policy language or an eligibility rule.

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.

CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. ⁹Company-reported. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.

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CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. ⁹Company-reported. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.

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.

A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. ¹¹Company-reported. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.