HUB International Hired and Non-Owned Auto Insurance

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-reportedCommercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

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. ^1,2Not found in reviewed sourcesChecked both pages on 2026-09-23.

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-reportedHNOA blog post sector list; not an underwriting appetite statement.

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-reportedHNOA 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-reportedHNOA blog post coverage-structure section.

Published HNOA limits, sublimits or retentions were not found on the reviewed pages. ^1,2Not publicly disclosedChecked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.

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. ²Company-reportedHNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.