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

Corgi sells HNOA as a CGL endorsement; Heffernan Insurance Brokers places it within its home-care, home-health, and hospice program.

Heffernan includes HNOA in its home-care and hospice program for caregiver visits; Corgi offers it only as a Custom Package CGL endorsement with a $1,000 retention. ^1,⁴

What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance?

Caregiver Auto Program Versus Startup Package Eligibility

Heffernan includes hired and non-owned auto liability in its home-care, home-health and hospice program for caregivers visiting clients. Corgi offers HNOA only as an endorsement in its Custom Package, shares the CGL aggregate and applies a $1,000 per-occurrence retention. ⁴ ¹ Choose Heffernan if you need HNOA within a caregiver insurance program; choose Corgi if your startup qualifies for Custom and accepts the shared aggregate and retention.

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. ¹ ⁴

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. ¹ ² ⁴

What Should You Confirm in Corgi and Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance Quotes?

Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. ¹
Ask Heffernan whether non-owned and hired auto is on the home care package and how it differs from owned auto. ⁴
Confirm Heffernan’s 30-day lead time if you are opening a care agency. ⁴
Get issuing insurers from both quotes. ¹ ⁴

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

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
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.	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. ⁴Company-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. ¹Company-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. ⁴Company-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.
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.	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. ⁴Company-reported. Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line.