---
title: "Amelia Risk vs HUB International Hired and Non-Owned Auto Insurance"
description: "Amelia Risk can place HNOA as GL or monoline and describes rental-counter decline; HUB adds HNOA as a rider and can include theft or physical damage."
canonical: "https://spot.insure/compare/amelia-risk-vs-hub-international/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs HUB International Hired and Non-Owned Auto Insurance

Amelia Risk can place HNOA as GL or monoline and describes rental-counter decline; HUB adds HNOA as a rider and can include theft or physical damage.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and HUB International for Hired and Non-Owned Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk brokers hired and non-owned auto on general liability or as a standalone policy and describes excess over personal auto. HUB arranges HNOA as a rider on commercial auto or general liability, including optional theft or physical damage, and recommends fleet-management tools. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [13](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### How Each Broker Attaches the Line

Amelia Risk can put HNOA on general liability or place it as monoline. HUB brokers HNOA as part of its commercial auto practice, typically as an endorsement or rider on an existing commercial auto or general liability policy rather than as a standalone product it underwrites. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [9](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

### Sectors and Vehicle Uses

Amelia Risk’s reviewed copy focuses on any business whose staff drive personal cars or that rents vehicles, including companies that own no fleet. HUB says HNOA exposure applies across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors when employees or contractors drive rented, leased or personal vehicles for work. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

### Physical Damage and Services

Amelia Risk’s HNOA discussion is liability-focused and highlights declining the rental company’s own damage or liability coverage at the counter because hired auto already applies. HUB says additional protection can be available for theft or physical damage to non-owned vehicles used for business, and it recommends technology-driven fleet tools such as automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance. Amelia Risk’s reviewed pages do not describe those fleet-technology services. HUB’s reviewed pages do not name the issuing insurer or publish HNOA limits. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") [9](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

## What to Confirm in Hired and Non-Owned Auto Insurance Quotes

- Ask HUB whether the rider sits on commercial auto or general liability, and whether theft or physical damage is included. [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Ask Amelia Risk whether hired auto on the quote supports declining rental-counter coverage. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")
- Ask HUB whether contractors and gig-economy drivers are intended insureds on your form. [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Get issuing insurers, limits and retentions from both; HUB does not publish HNOA limits. [9](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")

## Offering Details

| Criteria | Hired & Non-Owned Auto Liability | HUB International Hired and Non-Owned Auto Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | 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. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity..) |
| Issuing Insurer | 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23..) |
| Who It’s For | 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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post sector list; not an underwriting appetite statement..) |
| Coverage Features | 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. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") (Evidence: Company-reported; scope: General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form..)<br><br>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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording..)<br><br>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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance..)<br><br>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. [5](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim..)<br><br>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. [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post coverage-structure section..) |
| Limits and Retentions | Not described in the reviewed sources. | Published HNOA limits, sublimits or retentions were not found on the reviewed pages. [9](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | 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. [10](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product..) |
| How to Apply | 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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. |

## Full Comparison

- [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work.
- [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy)
- [Amelia Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cargo-transit)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber)
- [Amelia Risk vs HUB International D&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/directors-officers)
- [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices)
- [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability)
- [Amelia Risk vs HUB International Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/product-liability)
- [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/hired-non-owned-auto)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/hired-non-owned-auto)
- [Amelia Risk vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/hired-non-owned-auto)
- [Amelia Risk vs Kinro Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/hired-non-owned-auto)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [General Liability](https://ameliarisk.com/insurance-policies/general-liability/). Amelia Risk Insurance Brokers; Hired & non-owned auto liability paragraph: liability coverage for rental vehicles and employees' business use of personal vehicles; standalone/monoline availability note. Accessed 2026-09-23.
5. [Insurance for CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; FAQ 5, "We don't have any cars - why do I need auto insurance?": hired auto liability, non-owned auto liability, personal auto policy interaction, excess drop-down explanation. Accessed 2026-09-23.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist. Accessed 2026-09-23.
10. [Make & Brake: Protect your business financially with hired and non-owned auto insurance](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/). HUB International; What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations. Accessed 2026-09-23.

### Hired and Non-Owned Auto Insurance Guide

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
12. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
13. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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