--- title: "CNA vs Corgi: Hired and Non-Owned Auto Insurance" description: "CNA collects hired and non-owned exposure details on a supplemental application; Corgi describes an excess HNOA endorsement with a $1,000 retention and shared CGL aggregate." canonical: "https://spot.insure/compare/cna-vs-corgi/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-corgi" provider-a: "cna" 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/cna-vs-corgi/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of CNA 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 CNA versus Corgi. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs Corgi for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, CNA or Corgi? - What does CNA or Corgi publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Hired and Non-Owned Auto Insurance from CNA or Corgi? **Key facts:** - Line: Hired and Non-Owned Auto Insurance. Providers: CNA and Corgi. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Corgi](https://spot.insure/compare/cna-vs-corgi) — parent: all coverage lines for this pair - [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [CNA vs Corgi Business Owner’s Policy](https://spot.insure/compare/cna-vs-corgi/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-corgi/cargo-transit) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Commercial Auto Insurance](https://spot.insure/compare/cna-vs-corgi/commercial-auto) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Crime Insurance](https://spot.insure/compare/cna-vs-corgi/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Cyber Insurance](https://spot.insure/compare/cna-vs-corgi/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi D&O Insurance](https://spot.insure/compare/cna-vs-corgi/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-corgi/fiduciary) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi General Liability Insurance](https://spot.insure/compare/cna-vs-corgi/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Media Liability Insurance](https://spot.insure/compare/cna-vs-corgi/media) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-corgi/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-corgi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Tech E&O Insurance](https://spot.insure/compare/cna-vs-corgi/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-corgi/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [CNA vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-corgi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-corgi/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) # CNA vs Corgi: How Do They Compare for Hired and Non-Owned Auto Insurance? CNA collects hired and non-owned exposure details on a supplemental application; Corgi describes an excess HNOA endorsement with a $1,000 retention and shared CGL aggregate. ## How to Use the CNA vs Corgi Hired and Non-Owned Auto Insurance Comparison Use this comparison to evaluate CNA 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. ## CNA vs Corgi Hired and Non-Owned Auto Insurance Summary CNA describes commercial auto liability for business-use hired and non-owned vehicles and requests personal-auto limits and loss history. Corgi sells HNOA as a CGL endorsement, excess over personal or rental coverage, with a $1,000 retention and shared CGL aggregate. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [12](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ## 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](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [10](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [11](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. [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [16](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## 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](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [12](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ### 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](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [12](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") ## What Should You Confirm in CNA and Corgi Hired and Non-Owned Auto Insurance Quotes? - Ask Corgi for declarations showing the HNOA sublimit and its relationship to the CGL aggregate. [12](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") - Ask CNA which personal-auto and rental exposures its quote includes. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") ## CNA vs Corgi Hired and Non-Owned Auto Insurance Compared | 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. [12](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 | 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [13](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 | 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. [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: 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. [8](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 | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [12](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 | 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. [12](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: 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. [12](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 | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: 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 - [CNA vs Corgi](https://spot.insure/compare/cna-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. - [CNA vs Corgi Business Owner’s Policy](https://spot.insure/compare/cna-vs-corgi/business-owners-policy) - [CNA vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-corgi/cargo-transit) - [CNA vs Corgi Commercial Auto Insurance](https://spot.insure/compare/cna-vs-corgi/commercial-auto) - [CNA vs Corgi Crime Insurance](https://spot.insure/compare/cna-vs-corgi/crime) - [CNA vs Corgi Cyber Insurance](https://spot.insure/compare/cna-vs-corgi/cyber) - [CNA vs Corgi D&O Insurance](https://spot.insure/compare/cna-vs-corgi/directors-officers) - [CNA vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-corgi/employment-practices) - [CNA vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-corgi/fiduciary) - [CNA vs Corgi General Liability Insurance](https://spot.insure/compare/cna-vs-corgi/general-liability) - [CNA vs Corgi Media Liability Insurance](https://spot.insure/compare/cna-vs-corgi/media) - [CNA vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-corgi/medical-malpractice) - [CNA vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-corgi/professional-errors-omissions) - [CNA vs Corgi Tech E&O Insurance](https://spot.insure/compare/cna-vs-corgi/technology-errors-omissions) - [CNA vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-corgi/umbrella-excess) - [CNA vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-corgi/workers-compensation) - [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) - [AIG vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-corgi/hired-non-owned-auto) - [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/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 CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) - [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto) ## Sources for CNA vs Corgi Hired and Non-Owned Auto Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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. 4. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). 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. 5. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). 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. 6. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). 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 7. [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. 8. [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. 9. [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. 10. [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. 11. [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. 12. [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. 13. [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. ### Sources for the Hired and Non-Owned Auto Insurance Guide 14. [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. 15. [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. 16. [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 2026-10-01. 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. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. 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. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## Corgi Review Scores for 2026 Review Score: not enough ratings. The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-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)