Corgi vs Founder Shield: How Do They Compare for Hired and Non-Owned Auto Insurance?

Corgi adds excess HNOA liability to its CGL policy; Founder Shield brokers a separate liability policy through third-party carriers for mobile businesses.

Corgi attaches hired and non-owned auto only to Custom Package CGL, sharing that aggregate with a $1,000 retention. Founder Shield brokers a liability-only policy for mobile employees, rentals, and volunteers through A- or better carriers. ^1,⁴

What Are the Key Differences Between Corgi and Founder Shield Hired and Non-Owned Auto Insurance?

Custom Package Endorsement Versus Brokered Liability-Only Cover

Corgi sells hired and non-owned auto as an endorsement to its CGL, not as its own policy, and only inside the Custom Package—not Pre-Seed & Seed, Series A, or Growth Stage. Founder Shield is a retail brokerage that places a liability-only HNOA product with third-party carriers rather than issuing the policy itself. Choose Corgi if you already fit Custom Package and want HNOA sitting on that CGL; choose Founder Shield if you need a brokered liability-only placement for mobile staff, rentals, or volunteers. ¹ ³ ⁵ ⁴

Published Retention Versus Quote-Set Limits

Corgi lists non-owned and hired auto sublimits as "see declarations," says the sublimit shares the CGL aggregate instead of adding a separate tower, and shows a $1,000 per-occurrence self-insured retention. Founder Shield's reviewed HNOA pages do not publish overall limits or retentions; those figures are set on the quote. Corgi's HNOA page also does not name an issuing insurer, while Founder Shield says it places only with carriers rated A- or better by AM Best, matched by industry appetite. ¹ ⁴ ⁶

Who Is Covered and What Stays Out

Both describe liability after personal auto denies or limits a business-use claim, and both keep physical damage to the hired or non-owned vehicle outside that 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, pointing those to workers' compensation, and markets the product to salespeople, delivery drivers, rental users, volunteer organizations, and small businesses without a fleet. Neither reviewed HNOA page describes a driver-safety or fleet-risk program. ¹ ⁴

What Should You Confirm in Corgi and Founder Shield Hired and Non-Owned Auto Insurance Quotes?

Ask Corgi for the declarations sublimit, whether it shares the CGL aggregate, and the $1,000 retention. ¹
Ask Founder Shield which A- or better carrier will issue the policy. ⁶
Confirm rideshare, livery, and independent-contractor exclusions on Corgi's endorsement. ¹
Ask Founder Shield whether volunteer drivers are included if that is your exposure. ⁴

Corgi vs Founder Shield Hired and Non-Owned Auto Insurance Compared

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
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. ³Company-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. ⁴Company-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. ¹Company-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. ⁴Company-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). ⁴Company-reported. HNOA product page.
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. ¹Company-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. ⁵Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Criteria

Corgi Hired and Non-Owned Auto (HNOA)

Founder Shield Hired and Non-Owned Auto Insurance

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. ³Company-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. ⁴Company-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. ¹Company-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. ⁴Company-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). ⁴Company-reported. HNOA product page.

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. ¹Company-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. ⁵Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.