Amelia Risk vs HUB International 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.

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. ^9,10Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

Not described in the reviewed sources.

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. ^9,10Not found in reviewed sources. Checked both pages on 2026-09-23.

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.

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. ¹⁰Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

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.

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. ¹⁰Company-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. ¹⁰Company-reported. HNOA blog post coverage-structure section.

Not described in the reviewed sources.

Published HNOA limits, sublimits or retentions were not found on the reviewed pages. ^9,10Not publicly disclosed. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

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. ¹⁰Company-reported. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.

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.

Not described in the reviewed sources.