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

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HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. ^10,11Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

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Neither the commercial auto product page nor the HNOA blog post names the insurer that issues an HNOA endorsement; the carrier depends on the underlying commercial auto or general liability placement. ^10,11Not found in reviewed sources. Checked both pages on 2026-09-23.

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.

HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. ¹¹Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

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.

HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. ¹¹Company-reported. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.

HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. ¹¹Company-reported. HNOA blog post coverage-structure section.

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Published HNOA limits, sublimits or retentions were not found on the reviewed pages. ^10,11Not publicly disclosed. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.

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.

HUB says it recommends technology-driven fleet management tools for HNOA programs, including automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance, to help clients manage compliance and cost. ¹¹Company-reported. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.

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.

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