What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 1,2,3,4
What Is Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 6,7
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. 9,10,11
Key Differences in Hired and Non-Owned Auto Insurance
Package Audience and HNOA Placement
Beazley identifies HNOA as one of several additional coverages in BeazleyOne Environmental, aimed at engineering, consulting, project-management, contracting and remediation firms serving the environmental sector. Foxquilt instead shows the label under its Commercial Auto card. If you provide environmental services, Beazley’s package context is explicit; Foxquilt’s category does not establish which business classes qualify or whether HNOA is a separate contract. 5 8
Separate Application and Term Detail
Beazley links one application and brochure for its environmental package rather than a separate HNOA application. Foxquilt likewise directs buyers to its Commercial Auto product page and does not document a separate HNOA quote path. Neither description supplies the HNOA triggers or limits, so compare the proposed forms and check whether the vehicle exposure is scheduled as an endorsement or covered elsewhere in the package. 5 8
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Beazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsFoxquilt
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsOffering Details
Beazley vs Foxquilt: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto | Foxquilt Hired and Non-Owned Auto feature |
|---|---|---|
| Role in This Line | 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. | Foxquilt lists Hired & non-owned beneath its Commercial Auto card; the source does not establish a separate HNOA policy. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Issuing Insurer | 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. | Confirm in your quote. |
| Who It’s For | 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. | Confirm in your quote. |
| Coverage Features | 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. | The source identifies hired and non-owned vehicles as a feature of its Commercial Auto marketing; it does not establish the feature’s definitions, triggers or limits. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | 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. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 8Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | 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. | Foxquilt directs buyers to the Commercial Auto product page for a quote; no separate HNOA quote or application path is documented. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Full Comparison
More Beazley vs Foxquilt Comparisons
Other Hired and Non-Owned Auto Insurance Comparisons
Sources
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Environmental Package Policy (BeazleyOne Environmental). Beazley; Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources. Accessed 2026-09-23.
Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Other Coverages. Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
Hired and Non-Owned Auto Insurance Guide
- Commercial Insurance Guide. 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.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- Business Auto Coverage Form. 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.
