--- title: "HUB International Hired and Non-Owned Auto Insurance" description: "What HUB International Hired and Non-Owned Auto Insurance covers, who it’s for, and its risk services, cited to HUB International’s own published sources." canonical: "https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto) # HUB International Hired and Non-Owned Auto Insurance HUB International Hired and Non-Owned Auto Insurance Brokerage 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.) ## Issuing Insurer - **Not found in reviewed sources.** 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](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") (Scope: Checked both pages on 2026-09-23.) ## 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.) ## 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.) - 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.) ## Limits and Retentions - **Not publicly disclosed.** Published HNOA limits, sublimits or retentions were not found on the reviewed pages. [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") (Scope: Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.) ## 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. [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 technology-solutions section; describes HUB's advisory recommendations, not a bundled product.) ## HUB International Hired and Non-Owned Auto Insurance Compared - [HUB International vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-hub-international/hired-non-owned-auto) - [HUB International vs Beazley](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto) - [HUB International vs Corgi](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto) - [HUB International vs Founder Shield](https://spot.insure/compare/foundershield-vs-hub-international/hired-non-owned-auto) - [HUB International vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro/hired-non-owned-auto) ## Other HUB International Coverage Lines - [HUB International Builders Risk Insurance](https://spot.insure/insurance-providers/hub-international/builders-risk) - [HUB International Business Owner’s Policy](https://spot.insure/insurance-providers/hub-international/business-owners-policy) - [HUB International Cargo and Transit Insurance](https://spot.insure/insurance-providers/hub-international/cargo-transit) - [HUB International Commercial Auto Insurance](https://spot.insure/insurance-providers/hub-international/commercial-auto) - [HUB International Commercial Property Insurance](https://spot.insure/insurance-providers/hub-international/commercial-property) - [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime) - [HUB International Cyber Insurance](https://spot.insure/insurance-providers/hub-international/cyber) - [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers) - [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices) - [HUB International Equipment Breakdown Insurance](https://spot.insure/insurance-providers/hub-international/equipment-breakdown) - [HUB International Fidelity Bonds](https://spot.insure/insurance-providers/hub-international/fidelity-bonds) - [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary) - [HUB International Inland Marine Insurance](https://spot.insure/insurance-providers/hub-international/inland-marine) - [HUB International Key Person Insurance](https://spot.insure/insurance-providers/hub-international/key-person) - [HUB International Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/hub-international/kidnap-ransom) - [HUB International Management Liability Insurance](https://spot.insure/insurance-providers/hub-international/management-liability) - [HUB International Medical Malpractice Insurance](https://spot.insure/insurance-providers/hub-international/medical-malpractice) - [HUB International Product Liability Insurance](https://spot.insure/insurance-providers/hub-international/product-liability) - [HUB International Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hub-international/professional-errors-omissions) - [HUB International Representations and Warranties Insurance](https://spot.insure/insurance-providers/hub-international/representations-warranties) - [HUB International Surety Bonds](https://spot.insure/insurance-providers/hub-international/surety-bonds) - [HUB International Tech E&O Insurance](https://spot.insure/insurance-providers/hub-international/technology-errors-omissions) - [HUB International Telehealth Insurance](https://spot.insure/insurance-providers/hub-international/virtual-care-telehealth) - [HUB International Trucking Insurance](https://spot.insure/insurance-providers/hub-international/trucking) - [HUB International Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/hub-international/umbrella-excess) - [HUB International Workers’ Compensation Insurance](https://spot.insure/insurance-providers/hub-international/workers-compensation) ## Related - [HUB International Profile](https://spot.insure/insurance-providers/hub-international) - [HUB International Reliability](https://spot.insure/insurance-providers/hub-international/reliability) - [HUB International Alternatives](https://spot.insure/insurance-providers/hub-international/alternatives) - [Coverage Guide: Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)