---
title: "CNA vs Founder Shield: Hired and Non-Owned Auto Insurance"
description: "CNA’s HNOA application asks about driver policies and loss experience; Founder Shield describes liability-only placement for mobile employees, rentals and businesses without fleets."
canonical: "https://spot.insure/compare/cna-vs-foundershield/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-foundershield"
provider-a: "cna"
provider-b: "foundershield"
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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/cna-vs-foundershield/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of CNA and Founder Shield 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 CNA versus Founder Shield. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Founder Shield for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, CNA or Founder Shield?
- What does CNA or Founder Shield publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Hired and Non-Owned Auto Insurance from CNA or Founder Shield?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: CNA and Founder Shield.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Founder Shield](https://spot.insure/compare/cna-vs-foundershield) — parent: all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile (evidence)
- [CNA vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-foundershield/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Commercial Property Insurance](https://spot.insure/compare/cna-vs-foundershield/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Crime Insurance](https://spot.insure/compare/cna-vs-foundershield/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Cyber Insurance](https://spot.insure/compare/cna-vs-foundershield/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield D&O Insurance](https://spot.insure/compare/cna-vs-foundershield/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Fidelity Bonds](https://spot.insure/compare/cna-vs-foundershield/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield General Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Media Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/media) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Product Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/product-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-foundershield/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-foundershield/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foundershield/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foundershield/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)

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

CNA’s HNOA application asks about driver policies and loss experience; Founder Shield describes liability-only placement for mobile employees, rentals and businesses without fleets.

## How to Use the CNA vs Founder Shield Hired and Non-Owned Auto Insurance Comparison

Use this comparison to evaluate CNA and Founder Shield 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.

## CNA vs Founder Shield Hired and Non-Owned Auto Insurance Summary

CNA describes business-use auto liability and requests personal-auto limits, rental details, prior coverage, and loss history. Founder Shield brokers liability-only HNOA for mobile staff and rentals, excluding vehicle damage and company-owned autos. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [12](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Founder Shield Insurance?

Founder Shield is a broker for venture-backed startups: you apply online in under 15 minutes, and an advisor shops its 200+ carrier markets to build a program that changes as your products and locations change. It doesn't insure you itself, so ask which insurer carries each policy. [7](https://foundershield.com/ "Founder Shield") [8](https://foundershield.com/startup-insurance/ "Startup Insurance") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [10](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [11](https://foundershield.com/terms-of-service/ "Terms of Service")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## 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. [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [16](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## What Are the Key Differences Between CNA and Founder Shield Hired and Non-Owned Auto Insurance?

### Underwriting Detail and Buyer Profile

CNA’s supplemental application asks for personal-auto limits, leased or rented vehicles, prior HNOA, and five years of loss history. Founder Shield markets HNOA to firms with mobile employees, volunteers, rentals, or no company fleet, and places policies with outside carriers rather than underwriting them. The comparison points to different public detail: CNA lists information needed to assess the exposure, while Founder Shield describes common buyer situations. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [12](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [13](https://foundershield.com/about-us/ "About Us")

### Liability Versus Vehicle Damage

Both descriptions address business use of personal or rented vehicles. CNA says its commercial auto policy covers bodily injury and property damage caused by hired or non-owned autos. Founder Shield specifies liability-only coverage for third-party injury, property damage, and defense when a personal policy denies or limits a claim; it excludes physical damage to the vehicle, company-owned vehicles, and the employee driver’s injuries. Ask for the CNA form’s treatment of those same vehicle and driver scenarios. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [12](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

## What Should You Confirm in CNA and Founder Shield Hired and Non-Owned Auto Insurance Quotes?

- Ask Founder Shield which carrier is proposed and how personal-policy denials trigger its liability layer. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask CNA whether physical damage or driver injury is addressed elsewhere in your program. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses")

## CNA vs Founder Shield Hired and Non-Owned Auto Insurance Compared

| Criteria | Commercial Auto – Hired and Non-Owned Auto | Founder Shield Hired and Non-Owned Auto Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [13](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) |
| Issuing Insurer | Confirm in your quote. | 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. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) |
| Who It’s For | 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. [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: 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. [12](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: HNOA product page..) |
| Coverage Features | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [12](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)<br><br>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). [12](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: HNOA product page..) |
| Risk Services | CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: These are commercial-auto program services, not proof of a particular account’s enrollment or outcome..) | Confirm in your quote. |
| How to Apply | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: 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](https://foundershield.com/about-us/ "About Us") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |

## Related Pages for CNA vs Founder Shield Hired and Non-Owned Auto

- [CNA vs Founder Shield](https://spot.insure/compare/cna-vs-foundershield): 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.
- [CNA vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-foundershield/cargo-transit)
- [CNA vs Founder Shield Commercial Property Insurance](https://spot.insure/compare/cna-vs-foundershield/commercial-property)
- [CNA vs Founder Shield Crime Insurance](https://spot.insure/compare/cna-vs-foundershield/crime)
- [CNA vs Founder Shield Cyber Insurance](https://spot.insure/compare/cna-vs-foundershield/cyber)
- [CNA vs Founder Shield D&O Insurance](https://spot.insure/compare/cna-vs-foundershield/directors-officers)
- [CNA vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/employment-practices)
- [CNA vs Founder Shield Fidelity Bonds](https://spot.insure/compare/cna-vs-foundershield/fidelity-bonds)
- [CNA vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/fiduciary)
- [CNA vs Founder Shield General Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/general-liability)
- [CNA vs Founder Shield Media Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/media)
- [CNA vs Founder Shield Product Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/product-liability)
- [CNA vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-foundershield/professional-errors-omissions)
- [CNA vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-foundershield/umbrella-excess)
- [CNA vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-foundershield/workers-compensation)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto)
- [AIG vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foundershield/hired-non-owned-auto)
- [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/hired-non-owned-auto)
- [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/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)

## Sources for CNA vs Founder Shield Hired and Non-Owned Auto Insurance

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
4. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30.. Accessed 2026-09-30.
5. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30.. Accessed 2026-09-30.
6. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30.. Accessed 2026-09-30.

### Sources About Founder Shield

7. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
8. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
9. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
10. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
11. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
12. [Hired and Non-Owned Auto Insurance](https://foundershield.com/coverage/hnoa-insurance/). Founder Shield; What Is Hired and Non-Owned Auto Insurance?; Who Needs Hired and Non-Owned Auto Insurance Coverage?; What Does Hired and Non-Owned Auto Insurance Cover?. Accessed 2026-09-23.
13. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

### Sources for the Hired and Non-Owned Auto Insurance Guide

14. [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.
15. [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.
16. [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 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Founder Shield Review Scores for 2026

Review Score: 7.4 / 10 from 1 rated source, equally weighted.

Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.

- Trustpilot: TrustScore 3.7 (5 stars); 1 reviews. Trustpilot profile for foundershield.com; one US customer review, categorized as insurance broker/business insurance. Period: Review 2023-03-14; none in prior 12 months. Checked 2026-09-25. [foundershield.com Reviews | Trustpilot](https://www.trustpilot.com/review/foundershield.com)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/foundershield/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-foundershield/hired-non-owned-auto.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)