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. 1,2
Read the Markel Insurance profile
Read the Markel Insurance Hired and Non-Owned Auto Insurance page
What Is The Hartford?
The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. 4,5,6
Read the The Hartford 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. 8,9,10
What Are the Key Differences Between Markel Insurance and The Hartford Hired and Non-Owned Auto Insurance?
Vehicle Scope and Exclusions
The Hartford distinguishes hired vehicles the business rents, leases or borrows from non-owned vehicles employees use for work, layered over the employee's personal auto policy. It describes bodily injury and property-damage costs up to policy limits, but excludes damage to the vehicle itself, employee injuries, theft of property from the vehicle and personal-use accidents. Markel lists HNOA in its casualty portfolio without specifying covered autos, exclusions or terms. The Hartford gives buyers a fuller list to compare against Markel's quote documents. 7 3
Eligibility and Buying Route
The Hartford recommends HNOA for businesses renting or borrowing vehicles or whose employees use personal cars for errands, deliveries or meetings; it directs small-business buyers to a local agency or Tivly rather than online purchase. Markel's page identifies the option within its casualty and property portfolio but does not enumerate classes or an application channel. Buyers should confirm both class fit and how quickly an agent can provide bindable terms. 7 3
What Should You Confirm in Markel Insurance and The Hartford Hired and Non-Owned Auto Insurance Quotes?
Markel Insurance and The Hartford 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.
Markel 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 reviewsThe Hartford Review Score
Review Score
5 rated sources
The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]
Read The Hartford reviewsMarkel Insurance vs The Hartford Hired and Non-Owned Auto Compared
Markel Insurance vs The Hartford: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Markel hired and non-owned auto exposure | The Hartford Hired and Non-Owned Auto Insurance (HNOA) |
|---|---|---|
| Role in This Line | Markel lists hired and non-owned auto among casualty coverage options for small-business risks. 3Company-reported. Coverage option in small-business casualty materials; not a standalone commercial auto product. | 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. 7Company-reported. HNOA product page as read 2026-09-23. |
| Who It’s For | The page describes the option in the context of its small-business casualty and property portfolio; exact eligible classes are not enumerated. 3Company-reported. No general eligibility inference. | 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. 7Company-reported. HNOA product page as read 2026-09-23. |
| Coverage Features | The public page identifies the coverage by name but does not specify limits, covered autos, exclusions or terms. 3Company-reported. Policy-level details remain unestablished. | 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. 7Company-reported. HNOA product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | Confirm in your quote. | 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. 7Not 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. |
| How to Apply | Confirm in your quote. | 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. 7Company-reported. HNOA product page as read 2026-09-23. |
Related Pages for Markel Insurance vs The Hartford
Hired and Non-Owned Auto Pages for Markel Insurance and The Hartford
Other Coverage Lines Compared for Markel Insurance vs The Hartford
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for Markel Insurance vs The Hartford
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 About 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.
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.
