---
title: "Corgi vs Heffernan Insurance Brokers: Hired and Non-Owned Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-heffernan"
provider-a: "corgi"
provider-b: "heffernan"
coverage-line: "hired-non-owned-auto"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto)

## Agent Guide

**What this page is:** Focused comparison of Corgi and Heffernan Insurance Brokers for Hired and Non-Owned Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Hired and Non-Owned Auto Insurance questions about Corgi versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Heffernan Insurance Brokers for Hired and Non-Owned Auto Insurance: how do they differ?
- Which is better for Hired and Non-Owned Auto Insurance, Corgi or Heffernan Insurance Brokers?
- What does Corgi or Heffernan Insurance Brokers publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Hired and Non-Owned Auto Insurance. Providers: Corgi and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan) — all coverage lines for this pair
- [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 adds HNOA to home-care and hospice packages; Corgi limits it to a CGL endorsement in its Custom Package.

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

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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [2](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask Heffernan whether non-owned and hired auto is on the home care package and how it differs from owned auto. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Confirm Heffernan’s 30-day lead time if you are opening a care agency. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get issuing insurers from both quotes. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

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

| 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. [3](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page as read on 2026-09-23; other Heffernan practices were not checked for this line..) |

## About Corgi and Heffernan Insurance Brokers

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto)

## Related Pages for Corgi vs Heffernan Insurance Brokers

- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan): 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, but it does not cover damage to those vehicles.
- [Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/corgi/hired-non-owned-auto)
- [Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/heffernan/hired-non-owned-auto)

## Sources for Corgi vs Heffernan Insurance Brokers

### Sources About Corgi

1. [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.
2. [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.
3. [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.

### Sources About Heffernan Insurance Brokers

4. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). 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.

Updated 2026-09-29. 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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