Corgi vs HUB International Hired and Non-Owned Auto Insurance

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.

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. ^11,12Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

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.

Neither the commercial auto product page nor the HNOA blog post names the insurer that issues an HNOA endorsement; the carrier depends on the underlying commercial auto or general liability placement. ^11,12Not found in reviewed sources. Checked both pages on 2026-09-23.

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.

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. ¹²Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

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.

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. ¹²Company-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. ¹²Company-reported. HNOA blog post coverage-structure section.

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.

Published HNOA limits, sublimits or retentions were not found on the reviewed pages. ^11,12Not publicly disclosed. Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations.

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.

HUB says it recommends technology-driven fleet management tools for HNOA programs, including automated documentation, real-time insurance-data access, driver monitoring and usage-based insurance, to help clients manage compliance and cost. ¹²Company-reported. HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product.