--- title: "Beazley vs The Hartford: Hired and Non-Owned Auto Insurance" description: "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." canonical: "https://spot.insure/compare/beazley-vs-the-hartford/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-the-hartford" provider-a: "beazley" provider-b: "the-hartford" coverage-line: "hired-non-owned-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/beazley-vs-the-hartford/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Beazley and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs The Hartford for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, Beazley or The Hartford? - What does Beazley or The Hartford 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 The Hartford. - 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 The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) — 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 - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # 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 explains its two-part HNOA product and exclusions; Beazley includes the coverage only in BeazleyOne Environmental. ## Beazley vs The Hartford Hired and Non-Owned Auto Insurance Summary 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](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") ## 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](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") 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](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [1](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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [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 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](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. [1](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. [2](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. [2](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") ## Beazley vs The Hartford Hired and Non-Owned Auto Insurance Compared | 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. [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..) | 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. [2](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..) | | 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. [1](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. [2](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..) | | 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..) | 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. [2](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..) | ## About Beazley and The Hartford and Hired and Non-Owned Auto Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews) - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto) ## Related Pages for Beazley vs The Hartford Hired and Non-Owned Auto - [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, 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) - [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto) ## Sources for Beazley vs The Hartford Hired and Non-Owned Auto Insurance ### 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 The Hartford 2. [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. 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). 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