---
title: "HUB International vs Markel Insurance: Hired and Non-Owned Auto Insurance"
description: "HUB describes HNOA as an endorsement for organizations across several sectors and pairs it with fleet-management tools; Markel lists HNOA without published scope or service details."
canonical: "https://spot.insure/compare/hub-international-vs-markel/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-markel"
provider-a: "hub-international"
provider-b: "markel"
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/hub-international-vs-markel/hired-non-owned-auto)

## Agent Guide

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

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

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

HUB describes HNOA as an endorsement for organizations across several sectors and pairs it with fleet-management tools; Markel lists HNOA without published scope or service details.

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

Use this comparison to evaluate HUB International 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.

## HUB International vs Markel Insurance Hired and Non-Owned Auto Insurance Summary

HUB says HNOA can be added to commercial auto or general liability and may include separate protection for theft or physical damage to non-owned vehicles. Markel lists HNOA but gives no covered-auto terms. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](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") [8](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

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

## 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](https://www.markel.com/about-us "About us") [7](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. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](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") [5](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") [8](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") [8](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

### 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](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") [8](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

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

- Ask HUB whether physical-damage protection is included or a separate option, and what fleet tools are available under your account. [5](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") [5](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 Markel for policy structure, covered autos, limits and exclusions; the line listing does not publish these terms. [8](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

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

| 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](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..) | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. [8](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..) |
| 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](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..) | 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. [5](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..) | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. [8](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 | 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. [5](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. [5](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..) | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. [8](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 | Published HNOA limits, sublimits or retentions were not found on the reviewed pages. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](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..) | 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. [5](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..) | Confirm in your quote. |

## Related Pages for HUB International vs Markel Insurance

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

## Sources for HUB International vs Markel Insurance

### Sources About HUB International

1. [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.
2. [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.
3. [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.
4. [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.
5. [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 About Markel Insurance

6. [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.
7. [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.
8. [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.

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

9. [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.
10. [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.
11. [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.

## 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).

## Markel Insurance Review Scores for 2026

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/hub-international-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)