---
title: "Corgi vs Founder Shield Hired and Non-Owned Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-foundershield/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Corgi and Founder Shield 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

Corgi’s HNOA is a CGL endorsement in the Custom Package that shares the CGL aggregate and uses a $1,000 per-occurrence self-insured retention. Founder Shield places a liability-only HNOA product for mobile employees, rentals and volunteers with AM Best A- or better carriers. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

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

## 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](https://foundershield.com/ "Founder Shield") [9](https://apx.foundershield.com/ "Quote Portal") [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [12](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [16](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [17](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [14](https://foundershield.com/about-us/ "About Us") [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

### 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [7](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

### 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

## 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask Founder Shield which A- or better carrier will issue the policy. [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Confirm rideshare, livery and independent-contractor exclusions on Corgi’s endorsement. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask Founder Shield whether volunteer drivers are included if that is your exposure. [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance")

## Offering Details

| 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [14](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [7](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..) | 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. [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: 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. [6](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..) | 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. [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)<br><br>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). [13](https://foundershield.com/coverage/hnoa-insurance/ "Hired and Non-Owned Auto Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [6](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..) | 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](https://foundershield.com/about-us/ "About Us") [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |

## Full Comparison

- [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield): 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.
- [Corgi vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-foundershield/cargo-transit)
- [Corgi vs Founder Shield Crime Insurance](https://spot.insure/compare/corgi-vs-foundershield/crime)
- [Corgi vs Founder Shield Cyber Insurance](https://spot.insure/compare/corgi-vs-foundershield/cyber)
- [Corgi vs Founder Shield D&O Insurance](https://spot.insure/compare/corgi-vs-foundershield/directors-officers)
- [Corgi vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/employment-practices)
- [Corgi vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/fiduciary)
- [Corgi vs Founder Shield General Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/general-liability)
- [Corgi vs Founder Shield Media Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/media)
- [Corgi vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-foundershield/professional-errors-omissions)
- [Corgi vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-foundershield/representations-warranties)
- [Corgi vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/umbrella-excess)
- [Corgi vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-foundershield/workers-compensation)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Amelia Risk vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/hired-non-owned-auto)
- [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-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)
- [Corgi vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto)
- [Corgi vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto)

## Sources

### Corgi

1. [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.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.

### Founder Shield

8. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
9. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
10. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/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.
11. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/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.
12. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
13. [Hired and Non-Owned Auto Insurance](https://foundershield.com/coverage/hnoa-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.
14. [About Us](https://foundershield.com/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

15. [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.
16. [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.
17. [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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