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

Beazley lists HNOA as an additional coverage inside BeazleyOne Environmental for engineering, consulting, project-management and environmental contracting firms. Markel lists the line in its casualty portfolio but gives no covered-auto terms. ^5,⁸

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

Read the Beazley profile

Read the Beazley Hired and Non-Owned Auto Insurance page

Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. ^6,⁷

Read the Markel Insurance profile

Read the Markel Insurance Hired and Non-Owned Auto Insurance page

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

Read the full coverage guide

Key Differences in Hired and Non-Owned Auto Insurance

Package Eligibility

Beazley lists hired and non-owned auto as an additional coverage inside BeazleyOne Environmental, not as a separate standalone commercial-auto product on the cited page. Eligibility follows the package audience: engineering, consulting, project management, and contracting or remediation firms providing environmental services. Markel Insurance lists HNOA among small-business casualty options but does not enumerate eligible classes. A buyer in environmental services can evaluate Beazley's package context; other businesses should ask Markel whether their class fits its offering. ⁵ ⁵ ⁸

Application and Policy Terms

Beazley links one application and brochure for the environmental package rather than a separate HNOA application. Markel identifies the line by name but publishes no limits, covered autos, exclusions or terms. This means buyers should compare package qualification and application steps with the declarations and endorsements that specify actual HNOA coverage, rather than treating a catalogue listing as a complete policy description. ⁵ ⁸

What to Confirm in Hired and Non-Owned Auto Insurance Quotes

Ask Beazley whether your environmental-services class qualifies and where HNOA appears in the package application; ask Markel to confirm class eligibility. ⁵ ⁵ ⁸
Request covered-auto definitions, limits, exclusions and the issued endorsement from both insurers. ⁸ ⁵

Beazley and Markel Insurance Review Scores for 2026

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

5.6/ 10

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 reviews

Markel Insurance Review Score

7.5/ 10

Review Score

2 rated sources

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.^[4]^[3]

Read Markel Insurance reviews

Beazley vs Markel Insurance Hired and Non-Owned Auto Compared

Beazley vs Markel Insurance: Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto	Markel hired and non-owned auto exposure
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.	Markel lists hired and non-owned auto among casualty coverage options for small-business risks. ⁸Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product.
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.	The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. ⁸Company-reported. No general eligibility inference.
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 public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. ⁸Company-reported. Policy-level details remain unestablished.
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.	Confirm in your quote.
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.	Confirm in your quote.

Related Pages for Beazley vs Markel Insurance Hired and Non-Owned Auto

Hired and Non-Owned Auto Pages for Beazley and Markel Insurance

Other Coverage Lines Compared for Beazley vs Markel Insurance

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Sources for Beazley vs Markel Insurance

Sources About 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.

Sources About Markel Insurance

About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
Small Business Casualty and Property Insurance. Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.

Sources for the 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.