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

Corgi provides excess liability as a CGL add-on; HUB International usually adds HNOA to an existing auto or general-liability policy.

HUB can add theft or physical-damage options to HNOA on auto or GL; Corgi limits the coverage to its Custom Package CGL endorsement and $1,000 retention. ^1,⁵

What Are the Key Differences Between Corgi and HUB International Hired and Non-Owned Auto Insurance?

Physical-Damage Option Versus Package Restriction

HUB attaches HNOA to commercial auto or GL and can add theft or physical-damage options. Corgi offers it only as a CGL endorsement in the Custom Package, where it shares the CGL aggregate and has a $1,000 per-occurrence retention. ⁵ ⁴ ¹ Choose HUB if you need optional physical-damage cover; choose Corgi if you qualify for its Custom Package and want HNOA attached to CGL.

Physical Damage and Sector Reach

Corgi’s HNOA excludes physical damage to the vehicle. HUB says additional protection can be available for theft or physical damage to non-owned vehicles used for business. HUB also names transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors, including employees or contractors; Corgi excludes independent contractors’ personal vehicles and rideshare or livery use. ¹ ⁵

Numbers and Tools

Corgi publishes a $1,000 per-occurrence self-insured retention and says the sublimit shares the CGL aggregate, with the dollar sublimit on the declarations. HUB’s reviewed pages do not publish HNOA limits, sublimits or retentions, and they do not name the issuing insurer. HUB recommends fleet-management tools such as automated documentation, real-time insurance data, driver monitoring and usage-based insurance; Corgi’s reviewed HNOA page does not describe driver-safety or fleet programs. ¹ ⁴ ⁵

What Should You Confirm in Corgi and HUB International Hired and Non-Owned Auto Insurance Quotes?

Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. ¹
Ask HUB whether the rider sits on commercial auto or GL and whether physical damage or theft is included. ⁵
Confirm how each form treats contractors, rideshare and livery. ¹ ⁵
Get the issuing carrier from both; HUB’s reviewed pages leave it unnamed. ⁴ ¹

Corgi vs HUB International Hired and Non-Owned Auto Insurance Compared

Corgi vs HUB International: Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	Corgi Hired and Non-Owned Auto (HNOA)	HUB International Hired and Non-Owned Auto Insurance 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.	HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. ⁵Company-reported. HNOA blog post sector list; not an underwriting appetite statement.
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.	HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. ⁵Company-reported. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim. HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. ⁵Company-reported. HNOA blog post coverage-structure section.
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.	HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. ^4,⁵Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

Criteria

Corgi Hired and Non-Owned Auto (HNOA)

HUB International Hired and Non-Owned Auto Insurance 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.

HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. ⁵Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

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.

HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. ⁵Company-reported. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.

HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. ⁵Company-reported. HNOA blog post coverage-structure section.

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.

HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. ^4,⁵Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.