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What Does Hired and Non-Owned Auto Insurance from HUB International Cover?

HUB International brokers hired and non-owned auto liability insurance for organizations whose employees drive rented, leased or personal vehicles for work.

HUB International Hired and Non-Owned Auto Insurance Brokerage · Updated

HUB International’s Role in Hired and Non-Owned Auto

  • 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. 1,2

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

Who Issues HUB International Hired and Non-Owned Auto Insurance?

  • 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. 1,2

    Not found in reviewed sources.Checked both pages on 2026-09-23.

Who Is HUB International Hired and Non-Owned Auto Insurance 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

    Company-reported.HNOA blog post sector list; not an underwriting appetite statement.

HUB International Hired and Non-Owned Auto 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

    Company-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. 2

    Company-reported.HNOA blog post coverage-structure section.

HUB International Hired and Non-Owned Auto Limits and Retentions

  • Published HNOA limits, sublimits or retentions were not found on the reviewed pages. 1,2

    Not publicly disclosed.Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.

HUB International Hired and Non-Owned Auto Insurance 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

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

HUB International Hired and Non-Owned Auto Insurance Compared

Other Coverage Lines Documented for HUB International

Sources for HUB International Hired and Non-Owned Auto Insurance

  1. 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.
  2. 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.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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