--- title: "HUB International Hired and Non-Owned Auto Insurance" description: "HUB International brokers hired and non-owned auto liability insurance for organizations whose employees drive rented, leased or personal vehicles for work." canonical: "https://thegeneralaverage.com/insurance-providers/hub-international/hired-non-owned-auto" page-type: "offering-page" updated-at: "2026-09-23" provider: "hub-international" coverage-line: "hired-non-owned-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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://thegeneralaverage.com/insurance-providers/hub-international/hired-non-owned-auto) ## Agent Guide **What this page is:** What HUB International Hired and Non-Owned Auto Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for HUB International Hired and Non-Owned Auto Insurance specifically. For the general coverage explainer use /coverage/hired-non-owned-auto; for the provider overall use its profile. **Questions this page answers:** - Does HUB International Hired and Non-Owned Auto Insurance offer this coverage? - What does HUB International Hired and Non-Owned Auto Insurance cover and exclude? - Who is HUB International Hired and Non-Owned Auto Insurance designed for? **Key facts:** - Provider slug `hub-international`; coverage line `hired-non-owned-auto`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/hub-international) — parent: provider profile # What Does Hired and Non-Owned Auto Insurance from HUB International Cover? Product: HUB International Hired and Non-Owned Auto Insurance Brokerage. Provider: HUB International. Coverage line: Hired and Non-Owned Auto Insurance. ## Quick Answer HUB International brokers hired and non-owned auto liability insurance for organizations whose employees drive rented, leased or personal vehicles for work. [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") ## HUB International Hired and Non-Owned Auto Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not found in reviewed sources | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 2 | | Limits and Retentions | Not publicly disclosed | 1 | | Risk Services | Company-reported | 1 | ## 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](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.) ## 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](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.) ## 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](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.) ## 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](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.) ## What We Couldn’t Find About HUB International Hired and Non-Owned Auto The reviewed sources do not settle these. Confirm them with HUB International or a broker before relying on them. - **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.) - **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.) ## HUB International vs Other Hired and Non-Owned Auto Providers - [HUB International vs AIG](https://thegeneralaverage.com/compare/aig-vs-hub-international) - [HUB International vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-hub-international) - [HUB International vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-hub-international) - [HUB International vs CNA](https://thegeneralaverage.com/compare/cna-vs-hub-international) - [HUB International vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-hub-international) - [HUB International vs Founder Shield](https://thegeneralaverage.com/compare/foundershield-vs-hub-international) ## Other Coverage Lines From HUB International - [HUB International Builders Risk Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/builders-risk) - [HUB International Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/hub-international/business-owners-policy) - [HUB International Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/cargo-transit) - [HUB International Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/commercial-auto) - [HUB International Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/commercial-property) - [HUB International Crime Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/crime) - [HUB International Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/cyber) - [HUB International D&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/directors-officers) - [HUB International Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/hub-international/employee-health-benefits) - [HUB International Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/employment-practices) - [HUB International Equipment Breakdown Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/equipment-breakdown) - [HUB International Fidelity Bonds](https://thegeneralaverage.com/insurance-providers/hub-international/fidelity-bonds) - [HUB International Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/fiduciary) - [HUB International General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/general-liability) - [HUB International Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/inland-marine) - [HUB International Key Person Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/key-person) - [HUB International Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/kidnap-ransom) - [HUB International Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/management-liability) - [HUB International Medical Malpractice Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/medical-malpractice) - [HUB International Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/product-liability) - [HUB International Product Recall Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/product-recall) - [HUB International Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/professional-errors-omissions) - [HUB International Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/representations-warranties) - [HUB International Surety Bonds](https://thegeneralaverage.com/insurance-providers/hub-international/surety-bonds) - [HUB International Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/technology-errors-omissions) - [HUB International Telehealth Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/virtual-care-telehealth) - [HUB International Trucking Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/trucking) - [HUB International Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/umbrella-excess) - [HUB International Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/workers-compensation) ## Related Reading - [HUB International Profile](https://thegeneralaverage.com/insurance-providers/hub-international) - [HUB International Reliability](https://thegeneralaverage.com/insurance-providers/hub-international/reliability) - [HUB International Alternatives](https://thegeneralaverage.com/insurance-providers/hub-international/alternatives) - [Coverage Guide: Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) ## Sources for HUB International Hired and Non-Owned Auto Insurance 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. ## How to Cite This Page HUB International Hired and Non-Owned Auto Insurance: Coverage & Eligibility (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/hub-international/hired-non-owned-auto. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/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://thegeneralaverage.com/llms.txt)