Beazley vs 
HUB International: How Do They Compare for Hired and Non-Owned Auto Insurance?
Beazley includes HNOA in an environmental package; HUB International brokers the coverage as a commercial-auto or general-liability endorsement across many sectors.
HUB can add theft or physical-damage options to HNOA attached to auto or GL; Beazley includes it only as part of BeazleyOne Environmental. 1,3
What Are the Key Differences Between Beazley and HUB International Hired and Non-Owned Auto Insurance?
Add-On Options Versus Environmental Package Eligibility
HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options. Beazley lists HNOA only among additional coverages in BeazleyOne Environmental, so businesses outside its environmental package do not see HNOA listed as a separate option on the reviewed page. 2 3 1 Choose HUB if you need a rider with physical-damage options; choose Beazley if you are buying its environmental package.
Buyer Sets
Beazley’s HNOA follows environmental engineering, consulting, project management, and contracting or remediation firms. HUB says the exposure applies in transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors when employees or contractors drive rented, leased or personal vehicles for work. 1 3
Coverage Detail and Tools
HUB describes HNOA as protecting a business that rents or leases a vehicle, and when an employee’s personal auto excludes or limits business use. It also says additional protection can be available for theft or physical damage to non-owned vehicles, and it recommends fleet tools including automated documentation, real-time insurance data, driver monitoring and usage-based insurance. Beazley’s page does not describe those insuring agreements, physical-damage options or auto-specific risk services beyond the package’s general claims-management commitment, and it does not publish HNOA limits. HUB’s reviewed pages also do not name the issuing insurer or publish HNOA limits. 3 2 1
What Should You Confirm in Beazley and HUB International Hired and Non-Owned Auto Insurance Quotes?
- Ask HUB whether the rider attaches to commercial auto or GL, and whether physical damage or theft is included. 3
- Ask Beazley for HNOA wording and vehicle scope inside the environmental package. 1
- Ask HUB whether contractors and gig-economy drivers are covered on your endorsement. 3
- Get limits and the issuing carrier from both; neither reviewed source publishes HNOA limits. 1 2
Beazley vs HUB International Hired and Non-Owned Auto Compared
Beazley vs HUB International: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto | HUB International Hired and Non-Owned Auto Insurance Brokerage |
|---|---|---|
| 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. 1Company-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. 3Company-reported. HNOA blog post sector list; not an underwriting appetite statement. |
| 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. 1Company-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. 2,3Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity. |
