CNA vs Founder Shield: How Do They Compare for Hired and Non-Owned Auto Insurance?

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Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. ¹³Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

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Founder Shield says it places policies, including Founder Shield Hired and Non-Owned Auto Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ⁹Company-reported. General carrier-selection FAQ, not specific to this line's placements.

CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. ⁵Company-reported. The guide explains the exposure and is not itself policy language or an eligibility rule.

Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. ¹²Company-reported. HNOA product page.

CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. ⁴Company-reported. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions.

Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. ¹²Company-reported. Product page; the issued policy and declarations control actual coverage.

Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). ¹²Company-reported. HNOA product page.

CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. ⁴Company-reported. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome.

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A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. ⁶Company-reported. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today.

You request Founder Shield Hired and Non-Owned Auto Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^13,9Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.