---
title: "Amelia Risk vs Corgi: Hired and Non-Owned Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "amelia-risk-vs-corgi"
provider-a: "amelia-risk"
provider-b: "corgi"
coverage-line: "hired-non-owned-auto"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Corgi for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Amelia Risk versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs Corgi for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Amelia Risk or Corgi?
- What does Amelia Risk or Corgi publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Amelia Risk and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi) — all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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 sells hired and non-owned auto only as a Custom Package CGL endorsement with a $1,000 retention; Amelia Risk can attach it to general liability or place it alone.

## Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance Summary

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](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [4](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [6](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [6](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")

### 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](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") [4](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

### 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [1](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [2](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies")

## 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask Amelia Risk whether the placement is a general-liability endorsement or monoline, and which carrier issues it. [1](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")
- Confirm the self-insured retention: Corgi publishes $1,000 per occurrence; Amelia Risk does not publish one. [4](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [1](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability")
- 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [2](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies")

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

| 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. [2](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [1](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") (Evidence: Company-reported; scope: General Liability page's HNOA description; a general explanation of the coverage's purpose, not a specimen policy form..)<br><br>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. [2](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5's explanation of the coverage gap; describes the coverage's purpose rather than a specific policy's wording..)<br><br>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. [2](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: CPG page FAQ 5; a general description of how the coverage layers with an employee's personal auto insurance..)<br><br>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. [2](https://ameliarisk.com/specialties/cpg/ "Insurance for CPG Companies") (Evidence: Company-reported; scope: 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. [4](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") (Evidence: Company-reported; scope: 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. [4](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA product page, form CORG-HNOA-0100..) |

## About Amelia Risk and Corgi and Hired and Non-Owned Auto Insurance

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-risk/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto)

## Related Pages for Amelia Risk vs Corgi Hired and Non-Owned Auto

- [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles.
- [Amelia Risk Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/amelia-risk/hired-non-owned-auto)
- [Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto)

## Sources for Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance

### Sources About Amelia Risk

1. [General Liability](https://ameliarisk.com/insurance-policies/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.
2. [Insurance for CPG Companies](https://ameliarisk.com/specialties/cpg/). 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.
3. [Our Specialties](https://ameliarisk.com/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.

### Sources About Corgi

4. [HNOA Insurance for Startups](https://www.corgi.insure/hired-non-owned-auto). 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.
5. [CGL Insurance for Startups](https://www.corgi.insure/general-liability). Corgi Insurance; Scenario note 1: CGL is underwritten by Technology Risk Retention Group, Inc.. Accessed 2026-09-23.
6. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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/compare/amelia-risk-vs-corgi/hired-non-owned-auto.md)
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