HUB International vs 
Markel Insurance: How Do They Compare for Hired and Non-Owned Auto Insurance?
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. 1,2,3
Read the HUB International profile
Read the HUB International Hired and Non-Owned Auto Insurance page
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. 6,7
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. 9,10,11
What Are the Key Differences Between HUB International and Markel Insurance Hired and Non-Owned Auto Insurance?
Policy Placement and Business Use
HUB International brokers HNOA as an endorsement or rider on commercial auto or general liability for sectors including transportation, hospitality, education, healthcare and nonprofits. HUB describes exposure when employees use rented or personal vehicles for work and says the business may face claims beyond the driver's personal limits. Markel Insurance lists HNOA among Markel's casualty options but does not state whether it is an endorsement or standalone, nor which autos qualify. HUB gives buyers a specific structure to ask about; Markel's quote needs to settle those details. 4 5 5 8 8
Fleet Support
HUB recommends technology-driven fleet tools for automated documentation, real-time insurance data, driver monitoring and usage-based insurance. Markel says HNOA specialists may conduct site or desktop surveys and provide risk strategies in its inland-marine record, but its HNOA page itself does not describe fleet tools. Organizations can ask HUB which services are part of the engagement and Markel whether broader casualty risk support applies to their account. 5 8
What Should You Confirm in HUB International and Markel Insurance Hired and Non-Owned Auto Insurance Quotes?
HUB International 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.
HUB International Review Score
Review Score
2 rated sources
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-.[7][6]
Read HUB International 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 reviewsHUB International vs Markel Insurance Hired and Non-Owned Auto Compared
HUB International vs Markel Insurance: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | HUB International Hired and Non-Owned Auto Insurance Brokerage | Markel hired and non-owned auto exposure |
|---|---|---|
| Role in 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. 4,5Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity. | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. 8Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product. |
| Issuing Insurer | 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. 4,5Not found in reviewed sources. Checked both pages on 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 5Company-reported. HNOA blog post sector list; not an underwriting appetite statement. | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. 8Company-reported. No general eligibility inference. |
| Coverage Features | 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. 5Company-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. 5Company-reported. HNOA blog post coverage-structure section. | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. 8Company-reported. Policy-level details remain unestablished. |
| Limits and Retentions | Published HNOA limits, sublimits or retentions were not found on the reviewed pages. 4,5Not publicly disclosed. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations. | Confirm in your quote. |
| Risk Services | 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. 5Company-reported. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product. | Confirm in your quote. |
Related Pages for HUB International vs Markel Insurance
Hired and Non-Owned Auto Pages for HUB International and Markel Insurance
Other Coverage Lines Compared for HUB International vs Markel Insurance
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for HUB International vs Markel Insurance
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Commercial Auto Insurance Broker Policy & Coverage. 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.
- Make & Brake: Protect your business financially with hired and non-owned auto 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 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.
