Beazley vs CNA: How Do They Compare for Hired and Non-Owned Auto Insurance?

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. ⁵Company-reported. Environmental package product page; no standalone HNOA product page was found.

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The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. ⁵Not publicly disclosed. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there.

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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. ⁵Company-reported. Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately.

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.

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. ⁵Not publicly disclosed. Additional Coverages bullet list; the single-line mention is the only detail available on this page.

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.

The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. ⁵Not found in reviewed sources. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote.

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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. ⁵Not found in reviewed sources. Environmental package product page as read on 2026-09-23.

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.

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. ⁵Company-reported. Tools & Resources links referenced on the product page; the application content itself was not opened.

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.