---
title: "HUB International vs The Hartford: Hired and Non-Owned Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-the-hartford"
provider-a: "hub-international"
provider-b: "the-hartford"
coverage-line: "hired-non-owned-auto"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of HUB International and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs The Hartford for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, HUB International or The Hartford?
- What does HUB International or The Hartford publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: HUB International and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) — all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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.

HUB offers HNOA riders with optional vehicle-damage coverage; The Hartford publishes policy details and exclusions through agencies.

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

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](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") [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

## 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](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [2](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") 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](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") [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### 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](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") [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")

### 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](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [1](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [2](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")

## 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](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 The Hartford or Tivly to confirm the vehicle-damage exclusion and hired versus non-owned limits. [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Confirm Hartford HNOA is quoted through an agency or Tivly, not the small-business website. [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA")
- Get the issuing carrier on the HUB placement. [1](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

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

| 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. [2](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 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. [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: 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. [2](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. [2](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 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. [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [2](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..) | 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. [3](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") (Evidence: Company-reported; scope: HNOA product page as read 2026-09-23..) |

## About HUB International and The Hartford and Hired and Non-Owned Auto

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto)

## Related Pages for HUB International vs The Hartford

- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford): 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 Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto)
- [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto)

## Sources for HUB International vs The Hartford

### Sources About HUB International

1. [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.
2. [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 The Hartford

3. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). 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.

Updated 2026-09-25. 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.

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