---
title: "Foxquilt vs Markel Insurance: Hired and Non-Owned Auto Insurance"
description: "Foxquilt directs HNOA buyers to Commercial Auto; Markel lists the coverage among small-business casualty options but gives no public terms."
canonical: "https://spot.insure/compare/foxquilt-vs-markel/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "foxquilt-vs-markel"
provider-a: "foxquilt"
provider-b: "markel"
coverage-line: "hired-non-owned-auto"
---

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

## Agent Guide

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

**Questions this page answers:**
- Foxquilt vs Markel Insurance for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Foxquilt or Markel Insurance?
- What does Foxquilt or Markel Insurance 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 Foxquilt or Markel Insurance?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Foxquilt and Markel Insurance.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Foxquilt vs Markel Insurance](https://spot.insure/compare/foxquilt-vs-markel) — 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
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Foxquilt vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-markel/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Founder Shield vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foundershield-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Markel Insurance: How Do They Compare for Hired and Non-Owned Auto Insurance?

Foxquilt directs HNOA buyers to Commercial Auto; Markel lists the coverage among small-business casualty options but gives no public terms.

## Research Scope and Use

Use this comparison to evaluate Foxquilt and Markel Insurance 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

Both records identify HNOA within a broader insurance context: Foxquilt under Commercial Auto and Markel in its small-business casualty portfolio; neither reviewed page details terms. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## 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. [4](https://www.markel.com/about-us "About us") [5](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## 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. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [9](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

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

### How Each Catalogue Places HNOA

Foxquilt places the Hired & Non-Owned label beneath its Commercial Auto card and directs buyers to that product page. Markel lists hired and non-owned auto as one casualty coverage option for small-business risks, within a broader casualty and property portfolio. These catalogue placements help identify where to start, but neither one alone tells you whether the proposed policy is standalone or an endorsement. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

### Public Term Detail

Markel’s page does not specify limits, covered autos, exclusions or terms. Foxquilt’s reviewed page likewise does not establish the HNOA definitions, triggers or limits. That leaves the comparison at the documentation stage: ask each provider for its form and declarations, then compare covered drivers, business use, attachment point and any physical-damage protection rather than assume the shared coverage label means the same thing. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

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

- Ask Markel for the HNOA form, covered-auto definitions, limits and whether the placement attaches to a casualty or property policy. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

- Ask Foxquilt for the HNOA endorsement and confirm how it attaches to Commercial Auto and treats hired versus non-owned vehicles. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

## Offering Details

| Criteria | Foxquilt Hired and Non-Owned Auto feature | Markel hired and non-owned auto exposure |
| --- | --- | --- |
| Role in This Line | Foxquilt lists Hired & non-owned beneath its Commercial Auto card; the source does not establish a separate HNOA policy. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Coverage option in small-business casualty materials; not a standalone commercial auto product..) |
| Who It’s For | Confirm in your quote. | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: No general eligibility inference..) |
| Coverage Features | The source identifies hired and non-owned vehicles as a feature of its Commercial Auto marketing; it does not establish the feature’s definitions, triggers or limits. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. [6](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Policy-level details remain unestablished..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Confirm in your quote. |
| How to Apply | Foxquilt directs buyers to the Commercial Auto product page for a quote; no separate HNOA quote or application path is documented. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..)<br><br>The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |

## Full Comparison

- [Foxquilt vs Markel Insurance](https://spot.insure/compare/foxquilt-vs-markel): 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.
- [Foxquilt vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-markel/inland-marine)
- [AIG vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/hired-non-owned-auto)
- [AIG vs Markel Insurance Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-markel/hired-non-owned-auto)
- [Amelia Risk vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/hired-non-owned-auto)
- [Beazley vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foxquilt/hired-non-owned-auto)
- [Corgi vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-foxquilt/hired-non-owned-auto)
- [Founder Shield vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foundershield-vs-foxquilt/hired-non-owned-auto)

## Sources

### Foxquilt

1. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29.
2. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
3. [Other Coverages](https://www.foxquilt.com/businesscoverage.html). Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70.. Accessed 2026-09-29.

### Markel Insurance

4. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
5. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). 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.
6. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). 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.

### Hired and Non-Owned Auto Insurance Guide

7. [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.
8. [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.
9. [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 2026-09-30. 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.

## Foxquilt Reviews

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

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

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

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.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-markel/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)