CNA vs 
Corgi: How Do They Compare for Hired and Non-Owned Auto Insurance?
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 7,8,9,10,11
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. 14,15,16
What Are the Key Differences Between CNA and Corgi Hired and Non-Owned Auto Insurance?
Policy Structure and Layer of Coverage
CNA describes HNOA liability in its commercial auto offering for bodily injury and property damage caused by hired or non-owned vehicles used for business. Corgi attaches HNOA as an endorsement to CGL and describes it as excess over an employee’s personal auto or a rental company’s policy. Corgi lists a $1,000 per-occurrence self-insured retention, with its sublimit shown on declarations and sharing the CGL aggregate. Buyers should check how the underlying policy and this layer interact. 4 12
Covered Use and Underwriting Questions
CNA defines hired vehicles as business rentals and non-owned vehicles as employees’ personal cars used for work; its application asks personal-auto limits, rental history, prior HNOA, and five years of losses. Corgi describes bodily injury and property damage but excludes physical damage to vehicles, rideshare, company-owned autos, and independent contractors’ cars. These exclusions make driver and vehicle status material at quote time. 5 6 12
What Should You Confirm in CNA and Corgi Hired and Non-Owned Auto Insurance Quotes?
CNA and Corgi Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsCorgi Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsCNA vs Corgi Hired and Non-Owned Auto Insurance Compared
CNA vs Corgi: Hired and Non-Owned Auto Insurance: documented features by provider
| Criteria | Commercial Auto – Hired and Non-Owned Auto | Corgi Hired and Non-Owned Auto (HNOA) |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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. 12Company-reported. HNOA product page, form CORG-HNOA-0100. |
| Issuing Insurer | Confirm in your quote. | 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. 12,13Not publicly disclosed. HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement. |
| Who It’s For | CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. 5Company-reported. The guide explains the exposure and is not itself policy language or an eligibility rule. | 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. 8Company-reported. Homepage package contents as read on 2026-09-23. |
| Coverage Features | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. 4Company-reported. This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions. | 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. 12Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording. |
| Limits and Retentions | Confirm in your 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. 12Company-reported. HNOA coverage table. |
| Risk Services | CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. 4Company-reported. These are commercial-auto program services, not proof of a particular account’s enrollment or outcome. | The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. 12Not found in reviewed sources. HNOA product page as read on 2026-09-23. |
| How to Apply | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. 6Company-reported. The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today. | Confirm in your quote. |
Related Pages for CNA vs Corgi Hired and Non-Owned Auto Insurance
Hired and Non-Owned Auto Insurance Pages for CNA and Corgi
Other Coverage Lines Compared for CNA vs Corgi
Other Hired and Non-Owned Auto Insurance Provider Comparisons
Sources for CNA vs Corgi Hired and Non-Owned Auto Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Commercial Auto Insurance for Businesses. CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired and Non-Owned Auto Exposures. CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30. Accessed 2026-09-30.
- Hired / Non-Owned Auto Supplemental Application. CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About 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.
Sources for the 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.
