---
title: "CNA vs HUB International: Hired and Non-Owned Auto Insurance"
description: "CNA publishes HNOA application questions and risk-control resources; HUB brokers an endorsement or rider and recommends fleet-management tools across several industries."
canonical: "https://spot.insure/compare/cna-vs-hub-international/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-hub-international"
provider-a: "cna"
provider-b: "hub-international"
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-hub-international/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of CNA and HUB International 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 HUB International. 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 HUB International for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, CNA or HUB International?
- What does CNA or HUB International 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 HUB International?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: CNA and HUB International.
- 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 HUB International](https://spot.insure/compare/cna-vs-hub-international) — 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)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [CNA vs HUB International Builders Risk Insurance](https://spot.insure/compare/cna-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Business Owner’s Policy](https://spot.insure/compare/cna-vs-hub-international/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Commercial Auto Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Commercial Property Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Crime Insurance](https://spot.insure/compare/cna-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Cyber Insurance](https://spot.insure/compare/cna-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International D&O Insurance](https://spot.insure/compare/cna-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Fidelity Bonds](https://spot.insure/compare/cna-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International General Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Inland Marine Insurance](https://spot.insure/compare/cna-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-hub-international/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Management Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/management-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-hub-international/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Product Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/product-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Tech E&O Insurance](https://spot.insure/compare/cna-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-hub-international/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 HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/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 HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/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 HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)

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

CNA publishes HNOA application questions and risk-control resources; HUB brokers an endorsement or rider and recommends fleet-management tools across several industries.

## How to Use the CNA vs HUB International Hired and Non-Owned Auto Insurance Comparison

Use this comparison to evaluate CNA and HUB International 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 HUB International Hired and Non-Owned Auto Insurance Summary

CNA’s supplemental application asks about personal-auto limits, rentals, prior HNOA, and losses. HUB brokers HNOA as a rider to commercial auto or GL and describes technology-driven fleet-management tools for businesses in many sectors. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with 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 HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [14](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

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

### Coverage Placement

CNA describes hired and non-owned vehicles under its commercial auto coverage and provides a supplemental application. HUB brokers HNOA as an endorsement or rider on a commercial auto or general liability policy. HUB’s approach makes the underlying policy central to the placement; CNA’s application asks for vehicle use and prior insurance details. For a business with no commercial auto policy, ask HUB which base policy would carry the endorsement and ask CNA how the submission fits your existing program. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

### Exposure Management

CNA describes tailored risk-control resources including driver-distraction and cargo-securement programs. HUB recommends fleet tools for documentation, live insurance data, driver monitoring, and usage-based insurance. Those services address related but distinct workflow needs: driver practices and cargo versus ongoing fleet administration. Ask whether any tool or service is included with the specific HNOA placement or separately arranged. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

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

- Ask HUB which underlying policy and insurer would carry the HNOA rider, and whether physical damage is available. [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Ask CNA for the loss-history and personal-auto records needed for its application. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application")

## CNA vs HUB International Hired and Non-Owned Auto Insurance Compared

| Criteria | Commercial Auto – Hired and Non-Owned Auto | HUB International Hired and Non-Owned Auto Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity..) |
| Issuing Insurer | Confirm in your quote. | 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23..) |
| 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..) | 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. [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post sector list; not an underwriting appetite statement..) |
| 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..) | 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. [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim..)<br><br>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. [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post coverage-structure section..) |
| Limits and Retentions | Confirm in your quote. | Published HNOA limits, sublimits or retentions were not found on the reviewed pages. [10](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations..) |
| 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..) | 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. [11](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product..) |
| 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..) | Confirm in your quote. |

## Related Pages for CNA vs HUB International Hired and Non-Owned Auto

- [CNA vs HUB International](https://spot.insure/compare/cna-vs-hub-international): 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 HUB International Builders Risk Insurance](https://spot.insure/compare/cna-vs-hub-international/builders-risk)
- [CNA vs HUB International Business Owner’s Policy](https://spot.insure/compare/cna-vs-hub-international/business-owners-policy)
- [CNA vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-hub-international/cargo-transit)
- [CNA vs HUB International Commercial Auto Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-auto)
- [CNA vs HUB International Commercial Property Insurance](https://spot.insure/compare/cna-vs-hub-international/commercial-property)
- [CNA vs HUB International Crime Insurance](https://spot.insure/compare/cna-vs-hub-international/crime)
- [CNA vs HUB International Cyber Insurance](https://spot.insure/compare/cna-vs-hub-international/cyber)
- [CNA vs HUB International D&O Insurance](https://spot.insure/compare/cna-vs-hub-international/directors-officers)
- [CNA vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/employment-practices)
- [CNA vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/cna-vs-hub-international/equipment-breakdown)
- [CNA vs HUB International Fidelity Bonds](https://spot.insure/compare/cna-vs-hub-international/fidelity-bonds)
- [CNA vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/fiduciary)
- [CNA vs HUB International General Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/general-liability)
- [CNA vs HUB International Inland Marine Insurance](https://spot.insure/compare/cna-vs-hub-international/inland-marine)
- [CNA vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cna-vs-hub-international/kidnap-ransom)
- [CNA vs HUB International Management Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/management-liability)
- [CNA vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-hub-international/medical-malpractice)
- [CNA vs HUB International Product Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/product-liability)
- [CNA vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-hub-international/professional-errors-omissions)
- [CNA vs HUB International Surety Bonds](https://spot.insure/compare/cna-vs-hub-international/surety-bonds)
- [CNA vs HUB International Tech E&O Insurance](https://spot.insure/compare/cna-vs-hub-international/technology-errors-omissions)
- [CNA vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-hub-international/umbrella-excess)
- [CNA vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-hub-international/workers-compensation)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto)
- [AIG vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/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 HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/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 HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)

## Sources for CNA vs HUB International

### 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 HUB International

7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
10. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist. Accessed 2026-09-23.
11. [Make & Brake: Protect your business financially with hired and non-owned auto insurance](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/). HUB International; What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations. Accessed 2026-09-23.

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

12. [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.
13. [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.
14. [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).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-hub-international/hired-non-owned-auto.md)
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- [Public page index](https://spot.insure/llms.txt)