---
title: "Corgi vs HUB International Hired and Non-Owned Auto Insurance"
description: "Corgi’s HNOA is a CGL endorsement with a $1,000 SIR; HUB brokers it as a commercial auto or GL rider and can include physical damage."
canonical: "https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

Corgi’s HNOA is a CGL endorsement with a $1,000 SIR; HUB brokers it as a commercial auto or GL rider and can include physical damage.

## Research Scope and Use

Use this comparison to evaluate Corgi and HUB International for Hired and Non-Owned Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi sells HNOA as a Custom Package CGL endorsement that shares the CGL aggregate and uses a $1,000 per-occurrence self-insured retention. HUB arranges HNOA as a rider on commercial auto or general liability, with optional theft or physical damage and fleet-technology recommendations. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [15](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Hired and Non-Owned Auto Insurance

### Endorsement on Corgi CGL Versus a HUB Rider

Corgi issues HNOA only as a CGL endorsement in the Custom Package. HUB brokers HNOA as an endorsement or rider on commercial auto or general liability through its commercial auto practice. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")

### 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

### 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")

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

- Ask Corgi for the declarations sublimit, aggregate sharing and $1,000 retention. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")
- Ask HUB whether the rider sits on commercial auto or GL and whether physical damage or theft is included. [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Confirm how each form treats contractors, rideshare and livery. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance")
- Get the issuing carrier from both; HUB’s reviewed pages leave it unnamed. [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups")

## Offering Details

| Criteria | Corgi Hired and Non-Owned Auto (HNOA) | HUB International Hired and Non-Owned Auto Insurance 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity..) |
| 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](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") [7](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Not publicly disclosed; scope: 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23..) |
| 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: 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. [6](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..) | 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. [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim..)<br><br>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. [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post coverage-structure section..) |
| 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. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Company-reported; scope: HNOA coverage table..) | Published HNOA limits, sublimits or retentions were not found on the reviewed pages. [11](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page and HNOA blog post on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | The reviewed HNOA page does not describe driver-safety programs or fleet risk-management services for policyholders. [6](https://www.corgi.insure/hired-non-owned-auto "HNOA Insurance for Startups") (Evidence: Not found in reviewed sources; scope: 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. [12](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/ "Make & Brake: Protect your business financially with hired and non-owned auto insurance") (Evidence: Company-reported; scope: HNOA blog post technology-solutions section; describes HUB's advisory recommendations, not a bundled product..) |

## Full Comparison

- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): 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.
- [Corgi vs HUB International Business Owner’s Policy](https://spot.insure/compare/corgi-vs-hub-international/business-owners-policy)
- [Corgi vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-hub-international/cargo-transit)
- [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto)
- [Corgi vs HUB International Crime Insurance](https://spot.insure/compare/corgi-vs-hub-international/crime)
- [Corgi vs HUB International Cyber Insurance](https://spot.insure/compare/corgi-vs-hub-international/cyber)
- [Corgi vs HUB International D&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/directors-officers)
- [Corgi vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/employment-practices)
- [Corgi vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/fiduciary)
- [Corgi vs HUB International General Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/general-liability)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)
- [Corgi vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-hub-international/professional-errors-omissions)
- [Corgi vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-hub-international/representations-warranties)
- [Corgi vs HUB International Tech E&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/technology-errors-omissions)
- [Corgi vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess)
- [Corgi vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-hub-international/workers-compensation)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Amelia Risk vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/hired-non-owned-auto)
- [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)
- [Corgi vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-foundershield/hired-non-owned-auto)
- [Corgi vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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.
2. [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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [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.
7. [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.

### HUB International

8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
11. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage types list including hired and non-owned exposures, long and short-haul transportation, uninsured/underinsured motorists; Post-Accident Checklist. Accessed 2026-09-23.
12. [Make & Brake: Protect your business financially with hired and non-owned auto insurance](https://www.hubinternational.com/blog/2024/05/non-owned-auto-liability-insurance/). HUB International; What HNOA covers; who needs it (transportation, hospitality, education, healthcare, nonprofit, gig/shared-economy sectors); coverage structure as a rider or endorsement; technology-driven fleet management recommendations. Accessed 2026-09-23.

### Hired and Non-Owned Auto Insurance Guide

13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
14. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16.
15. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). 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.

Updated 2026-09-23. 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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