Amelia Risk vs Corgi: How Do They Compare for Hired and Non-Owned Auto Insurance?

Amelia Risk arranges HNOA for employees' personal or rental cars; Corgi adds excess liability to its CGL policy and excludes physical damage to the vehicle.

Corgi attaches hired and non-owned auto only to Custom Package CGL, sharing that aggregate with a $1,000 retention. Amelia Risk can add it to general liability or place a standalone policy. ^1,^4,⁶

What Are the Key Differences Between Amelia Risk and Corgi Hired and Non-Owned Auto Insurance?

Custom Package Endorsement Versus GL or Monoline Placement

Corgi sells hired and non-owned auto only as a CGL endorsement inside Custom Package, not Pre-Seed & Seed, Series A, or Growth Stage, and the sublimit shares the CGL aggregate with a $1,000 per-occurrence retention. Amelia Risk can put the same line on general liability or place a monoline policy when a GL attachment will not work. Choose Corgi if you already fit Custom Package and want the endorsement on that CGL; choose Amelia Risk if you need standalone hired and non-owned auto or sit outside Corgi's Custom stage. ⁴ ⁶ ¹

Excess Pay-Out and the Figures Each Page Publishes

Both describe this coverage as paying after other auto insurance. Amelia Risk says a personal auto policy will not defend the company if it is named in a claim, and that non-owned auto can drop down excess after personal limits run out. Corgi says the endorsement is excess over an employee's personal auto or a rental company's policy for bodily injury and property damage, with sublimits shown as see-declarations rather than a published dollar figure, sharing the CGL aggregate rather than adding a tower, and a $1,000 per-occurrence self-insured retention. Amelia Risk's reviewed pages do not publish a dollar retention. ² ⁴

What Each Keeps Outside the Grant

Corgi excludes physical damage to the vehicle, rideshare or livery use, company-owned vehicles, and independent contractors' personal vehicles. Amelia Risk's reviewed pages do not list those rideshare, livery, or independent-contractor exclusions; they describe hired auto as liability for business rentals and say hired auto can let you decline the rental company's own coverage at the counter. ⁴ ¹ ²

What Should You Confirm in Amelia Risk and Corgi Hired and Non-Owned Auto Insurance Quotes?

Ask Corgi whether hired and non-owned auto is on the Custom Package quote, what the declarations sublimit is, and whether it shares the CGL aggregate. ⁴
Ask Amelia Risk whether the placement is a general-liability endorsement or monoline, and which carrier issues it. ¹
Confirm the self-insured retention: Corgi publishes $1,000 per occurrence; Amelia Risk does not publish one. ⁴ ¹
Ask Corgi whether rideshare, livery, or independent contractors are excluded on your form, and ask Amelia Risk whether hired auto on the quote supports declining rental-counter coverage. ⁴ ²

Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance Compared

Amelia Risk vs Corgi: Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	Hired & Non-Owned Auto Liability	Corgi Hired and Non-Owned Auto (HNOA)
Who It’s For	Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. ²Company-reported. CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage.	HNOA is not part of any of Corgi's stage-based packages (Pre-Seed & Seed, Series A, Growth Stage); it is offered only as an add-on policy alongside CGL, D&O, Tech E&O, Cyber, Fiduciary, Media and EPLI in the Custom Package. ⁶Company-reported. Homepage package contents as read on 2026-09-23.
Coverage Features	Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. ¹Company-reported. General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form. Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. ²Company-reported. CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording. Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. ²Company-reported. CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance. Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. ²Company-reported. CPG page FAQ 5's hired-auto explanation.	HNOA provides excess liability coverage, meaning it pays after an employee's personal auto insurance or a rental company's policy, for bodily injury and property damage when employees drive personal or rented vehicles on company business. It excludes physical damage to the vehicle itself, rideshare or livery use, company-owned vehicles, and independent contractors' personal vehicles. ⁴Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording.
Role in This Line	Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. ¹Company-reported. General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement.	Corgi sells HNOA as an endorsement to its CGL policy, not as a standalone product; the page describes it as extending CGL's liability coverage rather than a separately issued policy. ⁴Company-reported. HNOA product page, form CORG-HNOA-0100.

Criteria

Hired & Non-Owned Auto Liability

Corgi Hired and Non-Owned Auto (HNOA)

Who It’s For

Amelia Risk tells clients they need HNOA even if the company owns no vehicles at all, because employees driving personal cars on company business, or the company renting cars, can create liability for the company. ²Company-reported. CPG page FAQ 5, framed for consumer-packaged-goods clients but describing the general rationale for the coverage.

HNOA is not part of any of Corgi's stage-based packages (Pre-Seed & Seed, Series A, Growth Stage); it is offered only as an add-on policy alongside CGL, D&O, Tech E&O, Cyber, Fiduciary, Media and EPLI in the Custom Package. ⁶Company-reported. Homepage package contents as read on 2026-09-23.

Coverage Features

Amelia Risk describes HNOA as liability coverage for rental vehicles used on company business and for employees' use of their own personal vehicles for company business, distinct from owning company vehicles outright. ¹Company-reported. General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form.

Amelia Risk explains that if an employee causes an accident in a personal vehicle while the company is named in a claim, the employee's personal auto policy will not defend the company; HNOA is the policy that responds in that situation. ²Company-reported. CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording.

Amelia Risk says that if an employee's personal auto policy does respond to a claim but its limits are exhausted, the client's non-owned auto liability coverage drops down and sits excess over the personal policy. ²Company-reported. CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance.

Amelia Risk says hired auto liability lets a client decline the rental company's own damage/liability coverage at the rental counter, because the client's HNOA policy already covers business-related rentals. ²Company-reported. CPG page FAQ 5's hired-auto explanation.

HNOA provides excess liability coverage, meaning it pays after an employee's personal auto insurance or a rental company's policy, for bodily injury and property damage when employees drive personal or rented vehicles on company business. It excludes physical damage to the vehicle itself, rideshare or livery use, company-owned vehicles, and independent contractors' personal vehicles. ⁴Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording.

Role in This Line

Amelia Risk arranges hired and non-owned auto (HNOA) liability as a brokerage, either bundled onto a general liability policy or, when that isn't feasible, placed as a standalone (monoline) policy. ¹Company-reported. General Liability page's HNOA paragraph, which the firm calls something it "loves to see" attached to a general liability policy. Does not name the issuing insurer for either arrangement.

Corgi sells HNOA as an endorsement to its CGL policy, not as a standalone product; the page describes it as extending CGL's liability coverage rather than a separately issued policy. ⁴Company-reported. HNOA product page, form CORG-HNOA-0100.