--- title: "Beazley vs Corgi: Hired and Non-Owned Auto Insurance" description: "Corgi limits HNOA to its Custom Package as a CGL endorsement with a $1,000 retention; Beazley includes it only inside BeazleyOne Environmental." canonical: "https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "beazley-vs-corgi" provider-a: "beazley" provider-b: "corgi" 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 insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, 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://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of Beazley 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 Beazley versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs Corgi for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, Beazley or Corgi? - What does Beazley 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: Beazley 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:** - [Beazley vs Corgi](https://spot.insure/compare/beazley-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 - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile # Beazley vs Corgi: How Do They Compare for Hired and Non-Owned Auto Insurance? Beazley lists HNOA only inside its environmental-services package; Corgi offers an add-on to CGL with excess liability for business use of personal or rented cars. Corgi offers HNOA only in its Custom Package; Beazley includes it only in BeazleyOne Environmental. ## Beazley vs Corgi Hired and Non-Owned Auto Insurance Summary Corgi limits HNOA to its Custom Package as a CGL endorsement with a $1,000 retention; Beazley includes it only inside BeazleyOne Environmental. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ## What Are the Key Differences Between Beazley and Corgi Hired and Non-Owned Auto Insurance? ### Package Eligibility and Shared Limits Beazley includes hired and non-owned auto only as an added coverage in BeazleyOne Environmental for environmental businesses. Corgi offers it only as a CGL endorsement in its Custom Package; it shares the CGL aggregate and has a $1,000 per-occurrence retention. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") Choose Beazley if you are buying BeazleyOne Environmental; choose Corgi if your company qualifies for the Custom Package and accepts the shared CGL aggregate and retention. ### Who Can Buy It Beazley’s HNOA availability follows engineering, consulting, project management, and contracting or remediation firms that provide environmental services. Corgi does not limit the endorsement to environmental contractors; it sits beside CGL and other Custom Package lines. If you are not an environmental-services firm, Beazley’s reviewed page does not present a path to this coverage. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ### What a Quote Can Show Today Corgi tells you the endorsement is excess after personal auto or a rental policy, that the sublimit shares the CGL aggregate, and that there is a $1,000 per-occurrence self-insured retention, with the dollar sublimit on the declarations. Beazley’s page lists hired and non-owned auto as included but does not describe the insuring agreement, covered vehicles, exclusions, limits or deductibles. You would have to get those terms from the BeazleyOne Environmental quote itself. [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") Neither HNOA page names the issuing insurer. Corgi’s CGL page names Technology Risk Retention Group for CGL without confirming the same entity for the endorsement. Beazley uses one environmental-package application rather than a separate HNOA form. [3](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") ## What Should You Confirm in Beazley and Corgi Hired and Non-Owned Auto Insurance Quotes? - Ask Beazley for the HNOA wording inside the environmental package, including whose vehicles are covered. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") - Ask Corgi for the declarations sublimit, the $1,000 retention, and whether the sublimit shares the CGL aggregate. [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") - Confirm whether rideshare, livery or independent contractors are excluded on Corgi’s form. [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") - Get the issuing insurer from both; neither HNOA page names one. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ## Beazley vs Corgi Hired and Non-Owned Auto Insurance Compared | Criteria | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto | Corgi Hired and Non-Owned Auto (HNOA) | | --- | --- | --- | | Who It’s For | Availability of the hired and non-owned auto coverage follows the same audience as the rest of the package: engineering, consulting, project management, and contracting or remediation firms providing environmental services. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: Who we can help section applies to the package as a whole; no auto-specific eligibility criteria are listed separately..) | 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. [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage package contents as read on 2026-09-23..) | | Role in This Line | Hired and non-owned auto is listed as one line among several Additional Coverages inside BeazleyOne Environmental. Beazley does not offer it as a separate, standalone commercial auto product on this page. [1](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: Environmental package product page; no standalone HNOA product page was found..) | 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. [2](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA product page, form CORG-HNOA-0100..) | ## About Beazley and Corgi and Hired and Non-Owned Auto Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/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 Beazley vs Corgi Hired and Non-Owned Auto Insurance - [Beazley vs Corgi](https://spot.insure/compare/beazley-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. - [Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/beazley/hired-non-owned-auto) - [Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto) ## Sources for Beazley vs Corgi Hired and Non-Owned Auto Insurance ### Sources About Beazley 1. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Additional Coverages: hired and non-owned auto included; Who we can help; Tools & Resources. Accessed 2026-09-23. ### Sources About Corgi 2. [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. 3. [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. 4. [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/beazley-vs-corgi/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://spot.insure/llms.txt)