HUB International vs 
The Hartford Hired and Non-Owned Auto Insurance
HUB brokers HNOA as a rider and can add physical damage; The Hartford underwrites a two-part HNOA product that excludes damage to the hired or non-owned vehicle.
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. 1,2,3
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 6,7,8
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. 10,11,12
Key Differences in Hired and Non-Owned Auto Insurance
Brokered Rider Versus Hartford’s Own HNOA
HUB brokers HNOA rather than underwriting it, typically as a rider on commercial auto or general liability. The Hartford describes HNOA as commercial auto coverage it offers, with hired coverage for rented, leased or borrowed vehicles and non-owned coverage for employees’ own vehicles used for business. 5 4 9
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. 5 9
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. 5 9
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. 9 4 5
What to Confirm in Hired and Non-Owned Auto Insurance Quotes
- Ask HUB whether theft or physical damage is on the rider. 5
- Ask The Hartford or Tivly to confirm the vehicle-damage exclusion and hired versus non-owned limits. 9
- Confirm Hartford HNOA is quoted through an agency or Tivly, not the small-business website. 9
- Get the issuing carrier on the HUB placement. 4
Offering Details
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) |
|---|---|---|
| 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. | 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. 9Company-reported. HNOA product page as read 2026-09-23. |
| 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. | Not described in the reviewed sources. |
| 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 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. 9Company-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. 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 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. 9Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford says non-owned auto coverage cost depends on claims history, vehicle value, employee driving history and how often vehicles are rented for business; the page does not publish standard liability limits. 9Not publicly disclosed. HNOA product page as read 2026-09-23 (page last updated by The Hartford August 27, 2026); cost factors, not a coverage limit. |
| 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. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Like standard commercial auto, HNOA is not currently sold online for small businesses; The Hartford directs buyers to a local agency or its partner Tivly for a quote. 9Company-reported. HNOA product page as read 2026-09-23. |
Full Comparison
More HUB International vs The Hartford Comparisons
Other Hired and Non-Owned Auto Insurance Comparisons
Sources
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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Hired and Non-Owned Vehicle Insurance | HNOA. The Hartford; What Is Hired and Non-Owned Auto Insurance?; What Are Considered Non-Owned Vehicles?; What Is Considered a Hired Auto?; What Does Hired and Non-Owned Vehicle Insurance Cover?; What Is Not Covered; Do You Need Hired and Non-Owned Auto Coverage?; What Does Non-Owned Auto Coverage Cost? Accessed 2026-09-23.
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.
