Beazley vs HUB International 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Not described in the reviewed sources.