CNA vs 
Markel Insurance: How Do They Compare for 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. 1,2,3
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 7,8
Read the Markel Insurance profile
Read the Markel Insurance Hired and Non-Owned Auto Insurance page
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. 10,11,12
Key Differences in Hired and Non-Owned Auto Insurance
Coverage Definition and Evidence Detail
CNA describes bodily injury and property damage liability from hired or non-owned vehicles used for business, and explains that hired vehicles include business rentals while non-owned vehicles can be employees’ personal cars. Markel lists HNOA as an option in its small-business casualty portfolio, but its public page does not specify covered autos, limits, exclusions, or terms. Buyers can identify the line in both catalogues; only CNA’s reviewed materials describe the exposure more fully. 4 5 9
Submission Preparation
CNA’s supplemental application asks for personal-auto limits, rentals or leases, prior HNOA, and five years of losses. Markel’s overview situates the option within its small-business casualty and property portfolio but does not enumerate eligible classes. Ask Markel for the form and appetite applicable to your business; use CNA’s questions to prepare driver and vehicle details for a submission. 6 9
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
CNA and Markel Insurance Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
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.[1][5]
Read CNA reviewsMarkel Insurance Review Score
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsCNA vs Markel Insurance Hired and Non-Owned Auto Insurance Compared
CNA vs Markel Insurance: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Commercial Auto – Hired and Non-Owned Auto | Markel hired and non-owned auto exposure |
|---|---|---|
| Role in This Line | Confirm in your quote. | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. 9Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product. |
| 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. 5Company-reported. The guide explains the exposure and is not itself policy language or an eligibility rule. | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. 9Company-reported. No general eligibility inference. |
| Coverage Features | 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. | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. 9Company-reported. Policy-level details remain unestablished. |
| Risk Services | 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. | 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. 6Company-reported. 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 Markel Insurance Hired and Non-Owned Auto
Hired and Non-Owned Auto Insurance Pages for CNA and Markel Insurance
Other Coverage Lines Compared for CNA vs Markel Insurance
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for CNA vs Markel Insurance Hired and Non-Owned Auto Insurance
Sources About CNA
- Insurance for Small Businesses. 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.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. 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.
- Commercial Auto Insurance for Businesses. 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.
- Hired and Non-Owned Auto Exposures. 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.
- Hired / Non-Owned Auto Supplemental Application. 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 Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Small Business Casualty and Property Insurance. Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
Sources for the Hired and Non-Owned Auto Insurance Guide
- Commercial Insurance Guide. 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.
- Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
- Business Auto Coverage Form. 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.
