Corgi vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance

Corgi attaches HNOA to CGL in the Custom Package with a $1,000 SIR; Heffernan places it in home care packages for caregiver visits.

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 Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. ^8,^9,¹⁰

Read the Heffernan Insurance Brokers 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. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Hired and Non-Owned Auto Insurance

Startup CGL Add-On Versus Home Care Auto

Corgi’s HNOA is an endorsement to CGL in the Custom Package only. Heffernan places hired and non-owned auto liability inside a home care, home health and hospice insurance program rather than as a startup CGL rider. ⁶ ¹¹

Who Each Page Speaks To

Corgi does not confine HNOA to a healthcare vertical; it is an add-on beside CGL and other Custom Package lines. Heffernan markets the bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy and home-health-aide businesses in all states and agency sizes. ⁶ ¹¹

Terms Each Publishes

Corgi describes excess coverage after personal auto or a rental policy, a “see declarations” sublimit that shares the CGL aggregate, a $1,000 per-occurrence self-insured retention, and exclusions for physical damage, rideshare or livery, company-owned vehicles and independent contractors’ cars. Heffernan lists Non-owned and Hired Auto separately from Business/Owned Auto for caregiver trips, does not publish limits or deductibles, asks agencies to apply at least 30 days before serving clients, and pairs specialists with CAHSAH and the Home Care Association of America. Corgi’s HNOA page does not name an issuing insurer. ⁶ ⁷ ¹¹

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

Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. ⁶
Ask Heffernan whether non-owned and hired auto is on the home care package and how it differs from owned auto. ¹¹
Confirm Heffernan’s 30-day lead time if you are opening a care agency. ¹¹
Get issuing insurers from both quotes. ⁶ ¹¹

Offering Details

Corgi vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	Corgi Hired and Non-Owned Auto (HNOA)	Heffernan Hired and Non-Owned Auto Brokerage
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.	Heffernan places hired and non-owned auto liability as part of its home care, home health, and hospice insurance program, alongside owned-auto and other package coverages, rather than underwriting the coverage itself. ¹¹Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked 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.	Not described in the reviewed sources.
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.	Heffernan markets this bundled auto coverage to home health, in-home care, hospice, staffing-agency, infusion-therapy, and home-health-aide businesses, and says its home care programs cover all states and agency sizes. ¹¹Company-reported. Home Care Business Insurance page as read on 2026-09-23; 'all states' is a company marketing statement, not a state-by-state availability table.
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.	The home care package lists Non-owned and Hired Auto alongside Business/Owned Auto, so caregivers driving personal or rented vehicles for client visits are covered under a separate insuring agreement from the agency's own fleet. ¹¹Company-reported. Home Care Business Insurance page as read on 2026-09-23; the page does not detail limits, exclusions, or whether hired/non-owned auto is sold on a stand-alone basis outside the home care package.
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.	The reviewed page does not publish limits, deductibles, or premium ranges for the hired and non-owned auto coverage. ¹¹Not publicly disclosed. Home Care Business Insurance page as read on 2026-09-23.
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.	Heffernan says its home care insurance specialists walk clients through coverage and premium questions, including how to minimize costs and risks, and that it partners with CAHSAH and the Home Care Association of America. ¹¹Company-reported. Home Care Business Insurance page as read on 2026-09-23; described for the home care program generally, not exclusively for the auto coverage.
How to Apply	Not described in the reviewed sources.	Heffernan tells home care businesses to start the insurance application process at least 30 days before working with clients and to contact the firm for a free rate quote, since rates vary by state. ¹¹Company-reported. Home Care Business Insurance page as read on 2026-09-23; applies to the home care package generally, not solely to auto coverage.

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.

Heffernan Insurance Brokers

Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
Home Care Business Insurance. Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, Sexual Abuse, Crime, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more; covering all states and agency sizes. 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.