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

HUB International describes HNOA as an endorsement for rented or personal vehicles; The Hartford explains covered costs and exclusions for work trips.

The Hartford publishes HNOA definitions and exclusions through agencies or Tivly; HUB adds the coverage as an auto or GL rider and can offer physical-damage options. ^2,³

What Are the Key Differences Between HUB International and The Hartford Hired and Non-Owned Auto Insurance?

Policy Detail Versus Optional Physical-Damage Cover

The Hartford defines hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ personal cars used for business, with published inclusions and exclusions; it sells through agents or Tivly. HUB attaches HNOA to commercial auto or GL and can offer theft or physical-damage options. ³ ² Choose The Hartford if you want published terms and exclusions through an agent; choose HUB if you need a rider with optional physical-damage coverage.

Physical Damage Treatment

HUB says additional protection can be available for theft or physical damage to non-owned vehicles used for business. The Hartford says HNOA does not cover damage to the hired or non-owned vehicle itself, property theft from the vehicle, wear and tear, injuries to the business’s own staff, or personal-use accidents, while it does help pay third-party bodily injury and property damage costs up to limits. ² ³

Who Each Names as Buyers

HUB says HNOA exposure applies across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for errands such as deliveries or client meetings. ² ³

How You Buy and What Limits Are Published

The Hartford does not currently sell HNOA online for small businesses and directs buyers to a local agency or Tivly. HUB’s reviewed pages describe broker placement on an underlying commercial auto or general liability policy and do not name a self-serve small-business website for HNOA. HUB’s reviewed pages do not name the issuing insurer or publish HNOA limits; The Hartford also does not publish standard liability limits. ³ ¹ ²

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

Ask HUB whether theft or physical damage is on the rider. ²
Ask The Hartford or Tivly to confirm the vehicle-damage exclusion and hired versus non-owned limits. ³
Confirm Hartford HNOA is quoted through an agency or Tivly, not the small-business website. ³
Get the issuing carrier on the HUB placement. ¹

HUB International vs The Hartford Hired and Non-Owned Auto Compared

HUB International vs The Hartford: Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	HUB International Hired and Non-Owned Auto Insurance Brokerage	The Hartford Hired and Non-Owned Auto Insurance (HNOA)
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. ²Company-reported. HNOA blog post sector list; not an underwriting appetite statement.	The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. ³Company-reported. HNOA product page as read 2026-09-23.
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. ²Company-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. ²Company-reported. HNOA blog post coverage-structure section.	The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. ³Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ^1,²Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.	The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. ³Company-reported. HNOA product page as read 2026-09-23.

Criteria

HUB International Hired and Non-Owned Auto Insurance Brokerage

The Hartford Hired and Non-Owned Auto Insurance (HNOA)

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. ²Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

The Hartford recommends HNOA for businesses that rent or borrow vehicles for work, or whose employees use personal vehicles for business errands like deliveries or client meetings. ³Company-reported. HNOA product page as read 2026-09-23.

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. ²Company-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. ²Company-reported. HNOA blog post coverage-structure section.

The Hartford says HNOA helps pay bodily injury costs (medical, lost income, funeral, legal/settlement) and property damage costs (vehicle repairs, legal/settlement, replacement) up to policy limits. It does not cover damage to the hired or non-owned vehicle itself, injuries to the business's own staff, property theft from the vehicle, normal wear and tear, or accidents during personal (non-business) use. ³Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ^1,²Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

The Hartford's HNOA is a type of commercial auto coverage with two parts: hired coverage for vehicles a business rents, leases or borrows, and non-owned coverage for employees using their own vehicles for business, layered on top of the employee's personal auto policy. ³Company-reported. HNOA product page as read 2026-09-23.