Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance

Amelia Risk can place HNOA on GL or as monoline; Corgi sells it only as a CGL endorsement in its Custom Package with a $1,000 retention.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. ^6,^7,^8,^9,¹⁰

Read the Corgi profile

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. ^13,^14,¹⁵

Read the full coverage guide

Key Differences in Hired and Non-Owned Auto Insurance

How the Coverage Is Issued

Amelia Risk places HNOA as a brokerage, either on a general liability policy or, when that is not feasible, as a standalone policy. Corgi sells HNOA only as an endorsement that extends its CGL, not as a separately issued policy, and only as an add-on in the Custom Package—not in Pre-Seed & Seed, Series A or Growth Stage packages. ⁴ ¹¹ ⁷

Amelia Risk approaches multiple insurers after gathering company facts. Corgi’s HNOA page does not name an issuing insurer; its CGL page names Technology Risk Retention Group for CGL itself without confirming the same entity for the endorsement. ² ¹¹ ¹²

Excess Structure and Limits

Both describe HNOA as responding after other auto insurance. Amelia Risk says non-owned auto drops down excess when an employee’s personal policy pays but its limits run out, and that a personal policy will not defend the company. 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,” sharing the CGL aggregate rather than adding to it, and a $1,000 per-occurrence self-insured retention. Amelia Risk’s reviewed pages do not publish a dollar retention. ⁴ ¹¹

What Each Says Is 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 HNOA pages do not list rideshare, livery or independent-contractor exclusions; they describe hired auto as liability for business rentals and note that a client may decline the rental company’s own coverage at the counter because hired auto already applies. ¹¹ ⁴

What to Confirm in Hired and Non-Owned Auto Insurance Quotes

Ask Corgi whether HNOA is on the Custom Package quote, what the declarations sublimit is, and whether it shares the CGL aggregate. ¹¹
Ask Amelia Risk whether the placement is a GL endorsement or monoline, and which carrier issues it. ⁴
Confirm the self-insured retention: Corgi publishes $1,000 per occurrence; Amelia Risk does not publish one. ¹¹ ⁴
Ask Corgi whether rideshare, livery or independent contractors are excluded on your form. ¹¹

Offering Details

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)
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. ⁴Company-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. ¹¹Company-reported. HNOA product page, form CORG-HNOA-0100.
Issuing Insurer	Not described in the reviewed sources.	Corgi's HNOA page does not name an issuing insurer for the endorsement. Corgi's CGL page states CGL itself is underwritten by Technology Risk Retention Group, Inc., but the reviewed sources do not confirm whether the HNOA endorsement is issued by the same entity. ^11,¹²Not publicly disclosed. HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement.
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. ⁵Company-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. ⁷Company-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. ⁴Company-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. ⁵Company-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. ⁵Company-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. ⁵Company-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. ¹¹Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording.
Limits and Retentions	Not described in the reviewed sources.	Corgi's HNOA page lists non-owned and hired auto liability sublimits as "see declarations" rather than a published dollar figure, states the sublimit shares Corgi's CGL aggregate rather than adding to it, and shows a $1,000 per-occurrence self-insured retention. ¹¹Company-reported. HNOA coverage table.
Risk Services	Not described in the reviewed sources.	The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. ¹¹Not found in reviewed sources. HNOA product page as read on 2026-09-23.
How to Apply	Amelia Risk's stated process for arranging coverage, including HNOA, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not an HNOA-specific application form.	Not described in the reviewed sources.

Full Comparison

More Amelia Risk vs Corgi Comparisons

Other Hired and Non-Owned Auto Insurance Comparisons

Sources

Amelia Risk

Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed. Accessed 2026-09-23.
About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
General Liability. Amelia Risk Insurance Brokers; Hired & non-owned auto liability paragraph: liability coverage for rental vehicles and employees' business use of personal vehicles; standalone/monoline availability note. Accessed 2026-09-23.
Insurance for CPG Companies. Amelia Risk Insurance Brokers; FAQ 5, "We don't have any cars - why do I need auto insurance?": hired auto liability, non-owned auto liability, personal auto policy interaction, excess drop-down explanation. Accessed 2026-09-23.

Corgi

Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Coverage Designed Around Your Startup's Journey: Custom Package policy list showing HNOA as an add-on ('+') outside the staged tiers. Accessed 2026-09-23.
Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
HNOA Insurance for Startups. Corgi Insurance; What's Actually Inside Your HNOA Endorsement (form CORG-HNOA-0100); Scenario notes; Policy notes; Available Add-ons; Glossary; FAQ. Accessed 2026-09-23.
CGL Insurance for Startups. Corgi Insurance; Scenario note 1: CGL is underwritten by Technology Risk Retention Group, Inc. Accessed 2026-09-23.

Hired and Non-Owned Auto Insurance Guide

Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
Non-Owned Auto Liability Insurance. Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
Business Auto Coverage Form. ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. Accessed 2026-09-16.