---
title: "Beazley vs Corgi Hired and Non-Owned Auto Insurance"
description: "Beazley includes HNOA only in its environmental package; Corgi sells it as a CGL endorsement in the Custom Package with a $1,000 retention."
canonical: "https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs Corgi Hired and Non-Owned Auto Insurance

Beazley includes HNOA only in its environmental package; Corgi sells it as a CGL endorsement in the Custom Package with a $1,000 retention.

## Research Scope and Use

Use this comparison to evaluate Beazley and Corgi for Hired and Non-Owned Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley lists hired and non-owned auto only inside BeazleyOne Environmental for environmental-service firms. Corgi sells HNOA as a CGL endorsement in its Custom Package, sharing the CGL aggregate, with a $1,000 per-occurrence self-insured retention. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [8](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [9](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [10](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [15](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### Package Module Versus CGL Endorsement

Beazley’s reviewed environmental page includes hired and non-owned auto as one Additional Coverage inside BeazleyOne Environmental, not as a standalone commercial auto product. Corgi sells HNOA as an endorsement to its CGL rather than a separately issued policy, and only in the Custom Package—not in its stage-based packages. For a buyer, that means Beazley HNOA follows the environmental package, while Corgi HNOA follows a CGL you already buy from Corgi. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

### 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. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [11](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. [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [5](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. [12](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)")

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

- Ask Beazley for the HNOA wording inside the environmental package, including whose vehicles are covered. [5](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. [11](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. [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Get the issuing insurer from both; neither HNOA page names one. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

## Offering Details

| Criteria | BeazleyOne Environmental Package Policy — Hired and Non-Owned Auto | Corgi Hired and Non-Owned Auto (HNOA) |
| --- | --- | --- |
| 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. [5](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. [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA product page, form CORG-HNOA-0100..) |
| Issuing Insurer | The page does not name the Beazley entity that would issue the hired and non-owned auto coverage within this package. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not publicly disclosed; scope: Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there..) | 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [12](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Not publicly disclosed; scope: HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement..) |
| 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. [5](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. [7](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 | The product page lists 'hired and non-owned auto included' among the package's Additional Coverages, alongside items like automatic additional-insured status and a blanket waiver of subrogation, but does not describe the insuring agreement, covered vehicles or exclusions for it. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not publicly disclosed; scope: Additional Coverages bullet list; the single-line mention is the only detail available on this page..) | 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. [11](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..) |
| Limits and Retentions | The reviewed page does not publish liability limits, deductibles or self-insured retentions for the hired and non-owned auto coverage. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not found in reviewed sources; scope: Environmental package product page as read on 2026-09-23; limits appear only on an actual quote..) | 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. [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA coverage table..) |
| Risk Services | The reviewed page does not describe auto-specific risk services, such as driver safety or fleet-management programs, beyond the package's general claims-management commitment. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Not found in reviewed sources; scope: Environmental package product page as read on 2026-09-23..) | The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. [11](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Not found in reviewed sources; scope: HNOA product page as read on 2026-09-23..) |
| How to Apply | Beazley links a single application and brochure for the environmental package from the product page rather than a separate application for the hired and non-owned auto coverage. [5](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") (Evidence: Company-reported; scope: Tools & Resources links referenced on the product page; the application content itself was not opened..) | Not described in the reviewed sources. |

## Full Comparison

- [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.
- [Beazley vs Corgi Crime Insurance](https://spot.insure/compare/beazley-vs-corgi/crime)
- [Beazley vs Corgi Cyber Insurance](https://spot.insure/compare/beazley-vs-corgi/cyber)
- [Beazley vs Corgi D&O Insurance](https://spot.insure/compare/beazley-vs-corgi/directors-officers)
- [Beazley vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/employment-practices)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Beazley vs Corgi General Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/general-liability)
- [Beazley vs Corgi Media Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/media)
- [Beazley vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-corgi/medical-malpractice)
- [Beazley vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-corgi/professional-errors-omissions)
- [Beazley vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-corgi/representations-warranties)
- [Beazley vs Corgi Tech E&O Insurance](https://spot.insure/compare/beazley-vs-corgi/technology-errors-omissions)
- [Amelia Risk vs Beazley Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/hired-non-owned-auto)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Beazley vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foundershield/hired-non-owned-auto)
- [Beazley vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-heffernan/hired-non-owned-auto)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)
- [Beazley vs Kinro Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-kinro/hired-non-owned-auto)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [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.

### Corgi

6. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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.
7. [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.
8. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
9. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
10. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
11. [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.
12. [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.

### Hired and Non-Owned Auto Insurance Guide

13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
14. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
15. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). 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.

Updated 2026-09-23. 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.

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