---
title: "Founder Shield vs HUB International Hired and Non-Owned Auto Insurance"
description: "Founder Shield places liability-only HNOA with A- or better carriers; HUB can add theft or physical damage on a commercial auto or GL rider."
canonical: "https://spot.insure/compare/foundershield-vs-hub-international/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/foundershield-vs-hub-international/hired-non-owned-auto)

# Founder Shield vs HUB International Hired and Non-Owned Auto Insurance

Founder Shield places liability-only HNOA with A- or better carriers; HUB can add theft or physical damage on a commercial auto or GL rider.

## Research Scope and Use

Use this comparison to evaluate Founder Shield 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.

## Summary

Founder Shield places a liability-only HNOA policy that excludes physical damage to the hired or non-owned vehicle. HUB brokers HNOA as a rider on commercial auto or general liability and says additional protection can be available for theft or physical damage, plus fleet-management tools. [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [12](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 Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [1](https://foundershield.com/ "Founder Shield") [2](https://apx.foundershield.com/ "Quote Portal") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](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?") [5](https://foundershield.com/claims/ "Claims")

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

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](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. [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [15](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### Liability-Only Placement Versus a Rider That Can Add Physical Damage

Founder Shield describes HNOA as a liability-only policy and notes it does not cover physical damage to the hired or non-owned vehicle. HUB says HNOA is typically a rider on commercial auto or general liability, with additional protection available for theft or physical damage to non-owned vehicles used for business. [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [12](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")

### Who Each Broker Names

Founder Shield markets HNOA to salespeople, delivery drivers, rental users, volunteer organizations and small businesses without a fleet. HUB says the exposure applies across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors, including employees or contractors driving rented, leased or personal vehicles. [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [12](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")

### Carriers and Services

Founder Shield says it places only with carriers rated A- or better by AM Best, chosen for the client’s industry. HUB’s reviewed pages do not name the issuing insurer; the carrier depends on the underlying commercial auto or general liability placement. HUB recommends technology-driven fleet tools (automated documentation, real-time insurance data, driver monitoring, usage-based insurance). Founder Shield’s reviewed HNOA pages do not describe those fleet-technology services. Neither side publishes HNOA dollar limits on the reviewed pages. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](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") [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

## What to Confirm in Hired and Non-Owned Auto Insurance Quotes

- Ask HUB whether theft or physical damage is on the rider, and ask Founder Shield to confirm the liability-only grant. [12](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") [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")
- Ask Founder Shield which A- or better carrier will issue the policy. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask HUB whether contractors and gig-economy drivers are covered. [12](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")
- Get limits and the underlying policy the HUB rider attaches to. [12](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") [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

## Offering Details

| Criteria | Founder Shield Hired and Non-Owned Auto Insurance | HUB International Hired and Non-Owned Auto Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | 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. [7](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..) | 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. [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](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 | 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. [3](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..) | 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. [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](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 | 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. [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: HNOA product page..) | 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. [12](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 | 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. [6](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). [6](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: HNOA product page..) | 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. [12](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. [12](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 | Not described in the reviewed sources. | Published HNOA limits, sublimits or retentions were not found on the reviewed pages. [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](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 | Not described in the reviewed sources. | 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. [12](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 | 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. [7](https://foundershield.com/about-us/ "About Us") [3](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..) | Not described in the reviewed sources. |

## Full Comparison

- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-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.
- [Founder Shield vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cargo-transit)
- [Founder Shield vs HUB International Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-hub-international/commercial-property)
- [Founder Shield vs HUB International Crime Insurance](https://spot.insure/compare/foundershield-vs-hub-international/crime)
- [Founder Shield vs HUB International Cyber Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cyber)
- [Founder Shield vs HUB International D&O Insurance](https://spot.insure/compare/foundershield-vs-hub-international/directors-officers)
- [Founder Shield vs HUB International Employee Health Benefits](https://spot.insure/compare/foundershield-vs-hub-international/employee-health-benefits)
- [Founder Shield vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/employment-practices)
- [Founder Shield vs HUB International Fidelity Bonds](https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds)
- [Founder Shield vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/fiduciary)
- [Founder Shield vs HUB International General Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/general-liability)
- [Founder Shield vs HUB International Key Person Insurance](https://spot.insure/compare/foundershield-vs-hub-international/key-person)
- [Founder Shield vs HUB International Product Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/product-liability)
- [Founder Shield vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-hub-international/professional-errors-omissions)
- [Founder Shield vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties)
- [Founder Shield vs HUB International Telehealth Insurance](https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth)
- [Founder Shield vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/umbrella-excess)
- [Founder Shield vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-hub-international/workers-compensation)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/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 Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foundershield/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)
- [Corgi vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-foundershield/hired-non-owned-auto)
- [Corgi vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto)

## Sources

### Founder Shield

1. [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.
2. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
3. [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.
4. [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.
5. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
6. [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.
7. [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.

### HUB International

8. [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.
9. [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.
10. [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.
11. [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.
12. [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.

### Hired and Non-Owned Auto Insurance Guide

13. [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.
14. [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.
15. [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 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foundershield-vs-hub-international/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)