---
title: "Beazley vs The Hartford Hired and Non-Owned Auto Insurance"
description: "Beazley lists HNOA only inside an environmental package; The Hartford sells a two-part HNOA commercial auto product through agencies or Tivly."
canonical: "https://spot.insure/compare/beazley-vs-the-hartford/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

Beazley lists HNOA only inside an environmental package; The Hartford sells a two-part HNOA commercial auto product through agencies or Tivly.

## Research Scope and Use

Use this comparison to evaluate Beazley and The Hartford for Hired and Non-Owned Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley includes hired and non-owned auto only in BeazleyOne Environmental for environmental-service firms. The Hartford underwrites HNOA as hired plus non-owned commercial auto coverage, with a published list of what it pays and excludes, sold through a local agency or Tivly. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### Package Add-On Versus a Hartford Auto Product

Beazley lists hired and non-owned auto only among Additional Coverages in BeazleyOne Environmental. The Hartford describes HNOA as commercial auto coverage with a hired part for vehicles a business rents, leases or borrows and a non-owned part for employees using their own vehicles for business, sitting over the employee’s personal auto policy. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### 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. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")

### 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")

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

- Ask The Hartford or Tivly for hired and non-owned limits and the listed exclusions. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Ask Beazley whether HNOA on the environmental package uses similar exclusions. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")
- Confirm you cannot bind Hartford HNOA online and which agency or Tivly path applies. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Get deductibles and how each form sits over personal auto. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")

## Offering Details

| Criteria | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto | The Hartford Hired and Non-Owned Auto Insurance (HNOA) |
| --- | --- | --- |
| 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. [5](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..) | 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |
| Issuing Insurer | The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not publicly disclosed; scope: Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there..) | Not described in the reviewed sources. |
| 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. [5](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..) | 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |
| 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. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not found in reviewed sources; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Not publicly disclosed; scope: HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit..) |
| 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. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not found in reviewed sources; scope: Environmental package product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: 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. [9](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |

## Full Comparison

- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford): 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.
- [Beazley vs The Hartford Commercial Property Insurance](https://spot.insure/compare/beazley-vs-the-hartford/commercial-property)
- [Beazley vs The Hartford Crime Insurance](https://spot.insure/compare/beazley-vs-the-hartford/crime)
- [Beazley vs The Hartford Cyber Insurance](https://spot.insure/compare/beazley-vs-the-hartford/cyber)
- [Beazley vs The Hartford D&O Insurance](https://spot.insure/compare/beazley-vs-the-hartford/directors-officers)
- [Beazley vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/employment-practices)
- [Beazley vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/fiduciary)
- [Beazley vs The Hartford General Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/general-liability)
- [Beazley vs The Hartford Management Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/management-liability)
- [Beazley vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-the-hartford/professional-errors-omissions)
- [Beazley vs The Hartford Tech E&O Insurance](https://spot.insure/compare/beazley-vs-the-hartford/technology-errors-omissions)
- [Amelia Risk vs Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/hired-non-owned-auto)
- [Amelia Risk vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/hired-non-owned-auto)
- [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto)
- [Beazley vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foundershield/hired-non-owned-auto)
- [Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/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.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-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.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [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.

### The Hartford

6. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
7. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
8. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
9. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost?. Accessed 2026-09-23.

### Hired and Non-Owned Auto Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
11. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). 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.

Updated 2026-09-23. 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.

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