Corgi vs Founder Shield Hired and Non-Owned Auto Insurance

Corgi sells HNOA as a Custom Package CGL endorsement with a $1,000 retention; Founder Shield brokers a liability-only policy with A- or better carriers.

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. ^1,^2,^3,^4,⁵

Read the Corgi profile

What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. ^8,^9,^10,^11,¹²

Read the Founder Shield profile

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. ^15,^16,¹⁷

Read the full coverage guide

Key Differences in Hired and Non-Owned Auto Insurance

CGL Endorsement Versus a Brokered Policy

Corgi sells HNOA as an endorsement that extends CGL, not as a separately issued policy, and only in the Custom Package. Founder Shield places Founder Shield Hired and Non-Owned Auto Insurance with third-party carriers as a retail brokerage product. ⁶ ¹⁴ ¹³

Limits and Retentions

Corgi lists non-owned and hired auto sublimits as “see declarations,” states the sublimit shares the CGL aggregate rather than adding to it, and shows a $1,000 per-occurrence self-insured retention. Founder Shield does not publish overall HNOA limits on the reviewed pages; those are set on the quote. Corgi’s HNOA page does not name an issuing insurer; Founder Shield says it places only with carriers rated A- or better by AM Best. ⁶ ⁷ ¹³ ¹⁰

Coverage Lists and Audiences

Both describe liability when staff drive personal or rented vehicles for business after personal auto denies or limits the claim, and both note the vehicle’s own physical damage is outside the liability grant. Corgi also excludes rideshare or livery use, company-owned vehicles and independent contractors’ personal vehicles. Founder Shield additionally excludes injuries to the employee driver (workers’ compensation) and markets the product to salespeople, delivery drivers, rental users, volunteer organizations and small businesses without a fleet. Corgi’s reviewed HNOA page does not describe driver-safety programs; Founder Shield’s reviewed HNOA pages also do not describe those programs. ⁶ ¹³

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

Ask Corgi for the declarations sublimit, whether it shares the CGL aggregate, and the $1,000 retention. ⁶
Ask Founder Shield which A- or better carrier will issue the policy. ¹⁰
Confirm rideshare, livery and independent-contractor exclusions on Corgi’s endorsement. ⁶
Ask Founder Shield whether volunteer drivers are included if that is your exposure. ¹³

Offering Details

Corgi vs Founder Shield Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	Corgi Hired and Non-Owned Auto (HNOA)	Founder Shield Hired and Non-Owned Auto Insurance
Role in This Line	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. ⁶Company-reported. HNOA product page, form CORG-HNOA-0100.	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. ¹⁴Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.
Issuing Insurer	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. ^6,⁷Not publicly disclosed. HNOA page as read on 2026-09-23, cross-checked against the CGL page's insurer statement.	Founder Shield says it places policies, including Founder Shield Hired and Non-Owned Auto Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ¹⁰Company-reported. General carrier-selection FAQ, not specific to this line's placements.
Who It’s For	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. ²Company-reported. Homepage package contents as read on 2026-09-23.	Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. ¹³Company-reported. HNOA product page.
Coverage Features	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. ⁶Company-reported. HNOA coverage table, scenarios and policy notes; illustrative summary, not policy wording.	Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. ¹³Company-reported. Product page; the issued policy and declarations control actual coverage. Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). ¹³Company-reported. HNOA product page.
Limits and Retentions	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. ⁶Company-reported. HNOA coverage table.	Not described in the reviewed sources.
Risk Services	The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. ⁶Not found in reviewed sources. HNOA product page as read on 2026-09-23.	Not described in the reviewed sources.
How to Apply	Not described in the reviewed sources.	You request Founder Shield Hired and Non-Owned Auto Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^14,¹⁰Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

Full Comparison

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Sources

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.

Founder Shield

Founder Shield. Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
Quote Portal. Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
How Do You Decide Which Carriers to Approach? Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
What If Our Company Grows A Lot or Things Change During the Year? Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
Claims. Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
Hired and Non-Owned Auto Insurance. Founder Shield; What Is Hired and Non-Owned Auto Insurance?; Who Needs Hired and Non-Owned Auto Insurance Coverage?; What Does Hired and Non-Owned Auto Insurance Cover? Accessed 2026-09-23.
About Us. Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

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.