Beazley vs The Hartford 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.

The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. ⁹Company-reported. HNOA product page as read 2026-09-23.

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.

Not described in the reviewed sources.

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 Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. ⁹Company-reported. HNOA product page as read 2026-09-23.

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 Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. ⁹Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.

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 Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. ⁹Not publicly disclosed. HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit.

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.

Not described in the reviewed sources.

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.

Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. ⁹Company-reported. HNOA product page as read 2026-09-23.