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

Beazley lists HNOA as an addition to environmental coverage; The Hartford explains coverage for rented and employee-owned vehicles used for work.

The Hartford offers a defined hired and non-owned commercial-auto product with published inclusions and exclusions; Beazley lists HNOA only in its environmental package. ^1,²

What Are the Key Differences Between Beazley and The Hartford Hired and Non-Owned Auto Insurance?

Defined Policy Detail Versus Package Add-On

The Hartford explains hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal vehicles used for business, with published inclusions and exclusions. Beazley lists HNOA only among additional coverages in BeazleyOne Environmental for environmental-service firms. ² ¹ Choose The Hartford if you want published HNOA definitions and exclusions through an agency; choose Beazley if you are buying its environmental package.

Who Each Product Is Aimed At

Beazley’s HNOA follows the environmental package: engineering, consulting, project management, and contracting or remediation firms. The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for errands such as deliveries or client meetings, without tying the product to environmental services. ¹ ²

What the Reviewed Pages Say the Coverage Pays

The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal or settlement) and property damage costs (vehicle repairs, legal or settlement, replacement) up to limits. It excludes damage to the hired or non-owned vehicle itself, injuries to the business’s own staff, theft from the vehicle, wear and tear, and personal-use accidents. Beazley’s reviewed page lists hired and non-owned auto as included but does not set out that pay-out list or those exclusions, so those terms would appear only on the environmental-package quote. ² ¹

How You Apply

The Hartford does not currently sell HNOA online for small businesses and points buyers to a local agency or its partner Tivly. Beazley links a single application and brochure for the environmental package rather than a separate HNOA application. Neither reviewed page publishes standard HNOA liability limits. ² ¹

What Should You Confirm in Beazley and The Hartford Hired and Non-Owned Auto Insurance Quotes?

Ask The Hartford or Tivly for hired and non-owned limits and the listed exclusions. ²
Ask Beazley whether HNOA on the environmental package uses similar exclusions. ¹
Confirm you cannot bind Hartford HNOA online and which agency or Tivly path applies. ²
Get deductibles and how each form sits over personal auto. ² ¹

Beazley vs The Hartford Hired and Non-Owned Auto Insurance Compared

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

Criteria	BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto	The Hartford Hired and Non-Owned Auto Insurance (HNOA)
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.	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. ²Company-reported. HNOA product page as read 2026-09-23.
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. ¹Company-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. ²Company-reported. HNOA product page as read 2026-09-23.
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.	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. ²Company-reported. HNOA product page as read 2026-09-23.