---
title: "Beazley vs HUB International: Hired and Non-Owned Auto Insurance"
description: "HUB can add theft or physical-damage options to HNOA attached to auto or GL; Beazley includes it only as part of BeazleyOne Environmental."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-hub-international"
provider-a: "beazley"
provider-b: "hub-international"
coverage-line: "hired-non-owned-auto"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of Beazley and HUB International for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Beazley versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs HUB International for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Beazley or HUB International?
- What does Beazley or HUB International publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Beazley and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) — all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 offers HNOA riders with optional physical-damage coverage; Beazley lists it only inside BeazleyOne Environmental.

## Beazley vs HUB International Hired and Non-Owned Auto Insurance Summary

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](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

## 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") 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](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

### 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](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") [2](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")

## 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](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Ask Beazley for HNOA wording and vehicle scope inside the environmental package. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")
- Ask HUB whether contractors and gig-economy drivers are covered on your endorsement. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Get limits and the issuing carrier from both; neither reviewed source publishes HNOA limits. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

## Beazley vs HUB International Hired and Non-Owned Auto Compared

| 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. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity..) |

## About Beazley and HUB International and Hired and Non-Owned Auto

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto)

## Related Pages for Beazley vs HUB International

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): 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, but it does not cover damage to those vehicles.
- [Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/beazley/hired-non-owned-auto)
- [HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto)

## Sources for Beazley vs HUB International

### Sources About Beazley

1. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources. Accessed 2026-09-23.

### Sources About HUB International

2. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist. Accessed 2026-09-23.
3. [Make & Brake: Protect your business financially with hired and non-owned auto insurance](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/). HUB International; What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)