---
title: "Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance"
description: "Amelia Risk brokers HNOA as GL or monoline; The Hartford underwrites a two-part HNOA product sold through agencies or Tivly, not online."
canonical: "https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance

Amelia Risk brokers HNOA as GL or monoline; The Hartford underwrites a two-part HNOA product sold through agencies or Tivly, not online.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and The Hartford 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 places hired and non-owned auto through multiple insurers on general liability or as a standalone policy. The Hartford describes HNOA as commercial auto coverage with hired and non-owned parts, sold through a local agency or its partner Tivly rather than online. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [2](https://ameliarisk.com/specialties/ "Our Specialties") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

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

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

### Broker Placement Versus a Named Carrier Product

Amelia Risk is a broker that shops HNOA to multiple insurers and can attach it to general liability or place it monoline. The Hartford describes HNOA as a type of commercial auto coverage it offers, with hired coverage for vehicles a business rents, leases or borrows and non-owned coverage for employees using their own vehicles for business, layered on the employee’s personal auto policy. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [2](https://ameliarisk.com/specialties/ "Our Specialties") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### What Each Says the Policy Pays

Amelia Risk focuses on the company-defense gap when a personal policy will not respond, excess drop-down after personal limits, and declining rental-company coverage. The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal or settlement) and property damage costs (vehicle repairs, legal or settlement, replacement) up to policy limits, and it does not cover damage to the hired or non-owned vehicle itself, injuries to the business’s own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### How You Buy

Amelia Risk gathers company information, approaches insurers and reviews quotes with you. The Hartford says HNOA, like its standard commercial auto, is not currently sold online for small businesses; it directs buyers to a local agency or its partner Tivly. The Hartford also says non-owned auto cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented, without publishing standard liability limits. [2](https://ameliarisk.com/specialties/ "Our Specialties") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

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

- Ask The Hartford or Tivly for hired versus non-owned parts, limits, and the listed exclusions. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Ask Amelia Risk which insurer is on the form and whether it is GL-attached or monoline. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")
- Compare whether physical damage to the rented or personal vehicle is excluded on both quotes. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")
- Confirm how each form sits over the employee’s personal auto policy. [4](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

## Offering Details

| Criteria | Hired & Non-Owned Auto Liability | The Hartford Hired and Non-Owned Auto Insurance (HNOA) |
| --- | --- | --- |
| 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..) | The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 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..) | The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |
| 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..) | The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Not publicly disclosed; scope: HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit..) |
| 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..) | Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |

## Full Comparison

- [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy)
- [Amelia Risk vs The Hartford Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/cyber)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/employment-practices)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions)
- [Amelia Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/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 HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/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)

## 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.

### The Hartford

6. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
7. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
8. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
9. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost?. Accessed 2026-09-23.

### Hired and Non-Owned Auto Insurance Guide

10. [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.
11. [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.
12. [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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